MAJOR FINANCIAL MISTAKES NO LONGER HAVE TO BE A RITE OF PASSAGE FOR ADULTHOOD.
Graduates experience a common, soaring feeling: Freedom. Yet, we are funneled into an economic system designed to rob our freedom, little by little, leaving many living paycheck to paycheck, transforming the dreamy and ambitious to the beat down and stressed. What if sidestepping that funnel of dread isn't as hard as we think?
"A must-read, especially for women entering the workforce." - Naseema McElroyï½Financially Intentional + Nurses on Fire podcast
"This is the book that will teach women en route to financial freedom." - James M. Dahle, MD, FACEP ï½ The White Coat Investor
"Concise, clever, and laugh-out-loud funny." - Linda Bessette ï½ Mindful Money: A Path to Simple Finances
"A life of time freedom is simply priceless. Crafting this life is possible, and it all begins with the plan to Save 10." - Lynn Frair ï½ fihealthcare.com
"The EXACT book I want my daughters to read to learn about personal finance." - Jimmy Turner, MD ï½ The Physician Philosopher's Guide to Personal Finance + Money Meets Medicine podcast
"Every young adult should read this book before making any major financial decisions in
their lives." -Rob Phelan ï½ ChooseFI Personal Finance Curriculum Developer + The Simple StartUp: A Beginner's Guide To Starting A Business
But First, Save 10 casts aside self-judgment budgeting, demystifies common financial jargon, and teaches a simple approach designed to yield abundance and joy. Plan retirement on your own terms and buck that unfulfilling job or startyour dream business-this system is your ticket to a life of true freedom, however you define it.
With a pay yourself first cash management system combined with automation, you'll accomplish what prior generations have collectively failed to do:
1. Save (enough) and invest to retire;
2. Create, fund, and retain an emergency fund;
3. Save for future expenses that bring joy, security, and freedom;
4. Pay down debt aggressively and use debt sparingly and responsibly;
5. Design a life with low fixed overhead; and
6. Enjoy spending the rest.
Finally, we have a sustainable routine, adaptable for any income at any life point-a system that offers the power to design our futures and define our destinies.
Industry Reviews
"Whew child, if I’d had this book in my 20s, I would be a millionaire many times over by now! This book is a must-read, especially for women entering the workforce. Building wealth is really as simple as Saving 10!” — Naseema McElroy, founder of Financially Intentional and host of Nurses on Fire podcast
"This book is a road map to design a life of time freedom that is simply priceless. Crafting this life is possible and it all begins with the plan to Save10.” — Lynn Frair, founder fihealthcare.com
“This book is a game changer for anyone who doesn’t understand the life-changing benefits of paying themselves first—or how to go about doing it. But First, Save 10 has demystified the financial concepts necessary for long-term financial success. Every woman should read this book to help equip them to not only take control of their finances, but also help get them closer to living their ideal life: one filled with financial freedom.” — B.C. Krygowski, MD, FIRE (Financial Independence Retire Early) blogger, hospice and palliative medicine physician
“Women have advantages and disadvantages when it comes to earning, saving, investing, spending, and giving wisely. This is the book that will teach them to maximize the advantages while minimizing the disadvantages en route to financial freedom. It will make a wonderful graduation gift for my daughters and nieces.” — James M. Dahle, MD, FACEP, founder of The White Coat Investor, author of The White Coat Investor: A Doctor’s Guide to Personal Finance and Investing
“This should be required reading for college grads. In a world hell-bent on telling us to spend, spend, spend, we need more voices like Gutierrez’s, encouraging us to save, save, save. Saving can be difficult because most of us only realize its value after we've gotten ourselves into financial messes. Gutierrez’s approach in reaching people before they ever cause themselves financial pain is brilliant. Her guidance is simple and empowering.” — Diania Merriam, Chief EconoMeist, EconoMe Conference
“Every teen and young adult should read this book before making any major financial decisions in their lives. Sarah-Catherine Gutierrez does an amazing job of reaching young women exactly where they are and breaking down seemingly complex financial topics into approachable action steps that will help any reader conquer their finances." — Rob Phelan, ChooseFI, author of The Simple StartUp: A Beginner's Guide To Starting A Business
"As a father of two young girls—and a self-proclaimed money nerd—Sarah-Catherine Gutierrez's book But First, Save 10 is the EXACT book I want my daughters to read to learn about personal finance. It is empowering, uplifting, and full of relatable (and humorous) examples." — Jimmy Turner, MD, anesthesiologist, author of The Physician Philosopher's Guide to Personal Finance, and host of the Money Meets Medicine podcast
“One of the most important acts of self-sufficiency is having a healthy relationship with money. This is especially true for women who have historically been on the wrong side of a money-power dynamic. Gutierrez offers invaluable advice on how we can take control of our finances in a way that is productive and empowering." — Georgia Pellegrini, host of Modern Pioneering (PBS) and Wild Food (Discover), author of Modern Pioneering, Girl Hunter, and Food Heroes
