My Financial Toolbox: The Nuts and Bolts of Managing Your Money

This book is well written and easy to understand. My guess it that it is best suited to an educated person who is just starting to seriously look at their financial plan...maybe someone in early 30s. It was too basic for me because I am in the stage where I am planning my way to retirement in a couple of years. But I plan to give it to my 27 year old son.

I wish I had this book years ago. It presents information about investing in very accessible as well as detailed way. The part about estate planning was also most useful.

It's a short book, but it manages to cover a lot of ground, offering advice about personal finance based on research and personal experience. Sit doesn't get bogged down in complexity, statistics, or nuance; he has a knack for getting to the point and covering what's essential.Though the book focuses on basics, it’s also a good review for someone already experienced at handling personal finances. Sit addresses topics that others often ignore, e.g., banking and spending, including how to manage cash and credit cards. The brief section on life insurance is the best quick introduction to the topic I've seen.Other highlights include a chapter that sorts out the complexities of health insurance and chapters on workplace and individual retirement accounts. Sit also give excellent advice for low-cost, buy-and-hold investing and for hiring (or not hiring) a financial adviser.

From my perspective as a financial an accounting professional, this book is great common sense. This is what should be taught in high schools to prepare young people for the real world.

Practical advice and examples from major institutions to clarify the advice. Takes the worry out of how to do banking that is beneficial to consumer.

I really love that Harry is not frivolous with words. Every chapter get's right to the topic at hand, with sufficient product and scenario examples to turn the associated topic from an abstract idea to one that is actionable.

Rarely do I recommend a book, but this book is all you need to get your financial affairs right hands down.

I have always been intimidated by money management books since I felt like I did not know enough basics and often get lost in complex terms and finance jargons. This book was easy to read. Each chapter focuses on topics that is very relevant to me written in simple, straight forward manner. My finance has gotten more complex over the years and this has provided me with such great insights and knowledge that I feel more empowered to handle the complexities of my finances to make purposeful decisions. I love the action items at the end of each chapters emphasizing the bottom line. Thank you Harry for writing this book and sharing your knowledge.