Wealth Happens One Day at a Time: 365 Days to a Brighter Financial Future – Expert Strategies for Eliminating Debt and Building Lasting Independence

Sometimes our parents plant weird ideas in our heads, such as "You shouldn't be selfish," when the subject of buying something nice arises. As an adult, that often translates into "I don't deserve to have money." Or maybe we feel so good about the money we make that we can't resist spending it on whatever catches our eye: a new pair of shoes, a titanium mountain bike, a leather love seat to go with the leather sofa we couldn't afford last month.

Financial planner Brooke Stephens has heard every excuse for not making, saving, and investing money; she also knows that no matter what attitude a person starts with, he or she can change it. So Wealth Happens starts with baby steps--tiny exercises to change your mind about money, and to increase your knowledge about what it can do. Then she shows the basics of investing, building wealth, protecting what you've built, and, finally, retiring on that wealth.

Sprinkled among the chunks of concrete advice are quotes and proverbs ("Save money and money will save you"), inspirational anecdotes (John D. Rockefeller built an incredible fortune while tithing 10 percent to his church), and real-life scenarios showing how a decent income can get gobbled up with foolish purchases and the resultant credit-card interest. Wealth Happens is about as beginner-friendly as personal-finance guides can possibly be. Because of that, it probably won't be very useful to the person who's already paying off credit-card balances each month and saving for retirement. But for the person who wonders how people who own homes got them, or how anyone can actually afford to retire at 65, this is the book to buy. --Lou Schuler