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懂錢滾錢：打造最強個人財務系統，美國「預算天后」改造100萬人的財富指引: Step by Step CNNUSA Today 100 Step by Step ETF CNN 10 Step by Step 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Tiffany Aliche The Budgetnista100 thebudgetnista. comPodcastBrown AmbitionCNNUSA Today
作者: 蒂芙尼．阿里奇｜譯者：周怡伶
全美最受歡迎的金融教育家
帶你洞悉預算、儲蓄、債務、信用、賺錢與投資的真義，
Step by Step打造最強個人財務系統，
大聲說出：「從今天開始，我的錢要為我工作了！」
帶你洞悉預算、儲蓄、債務、信用、賺錢與投資的真義，
Step by Step打造最強個人財務系統，
大聲說出：「從今天開始，我的錢要為我工作了！」
★投資有賺有賠，錢有旦夕禍福；學會建立體質健全、自帶金流的財務系統，才能讓你的錢高枕無憂！
★ 寫給「花得太多」與「賺得不夠多」的你：從計畫、行動到盤點，讓你的每一塊錢都發揮最大效益
★ 不必等「存到第一桶金」再開始，被債務追著跑也沒關係，本書給你的方針是：立刻上手，馬上去做！
★ 《紐約時報》暢銷書，CNN、USA Today、富比士、華爾街日報、出版人周刊──共感推薦
所謂「理財」，就是重複做對的事，
學會把你的預算、收入與支出系統化，
用「投資」增加資產淨值，用「保險」去保護資產，
在不同人生階段，把錢放在對的地方，
懂錢滾錢，就能讓錢子、錢孫源源不絕流進來！
很多人都弄錯了，理財並不單是指「投資」一件事，
投資，只是「個人財務系統」其中一個環節。
幫助全球超過100萬人脫貧致富的金融教育家蒂芙尼‧阿里奇，
教你用十個步驟，打造最強財務系統，
Step by Step達成財務自由、提早退休、享受人生的目標！
寫給「花得太多」與「賺得不夠多」的你：
● 如何把自己當作一間公司，制定預算、分配預算？
● 如何制定一個能自動執行的儲蓄／還款計畫？
● 如何從本業中開拓副業、增加收入來源？
● 如何用指數基金與ETF，做安全又有效的懶人投資？
● 如何挑選你的財富管理團隊，讓資產淨值穩定翻倍？
本書作者蒂芙尼，原本是一位深陷財務黑洞的幼教老師，她透過獨樹一幟的理財方式，不但還清自己的千萬債務，更進一步幫助成千上萬個面臨金錢困境的個人與家庭，走出泥沼、擁抱光明，這也使她登上CNN報導，成為風靡全美的平民「預算天后」。
「財務系統」的概念看似很複雜，但作者揭示一個重要的實作原則：從大處思考、從小處著手。
你不必等到「有錢可以理」再去做，透過三張簡單的便利貼，你馬上就能掌握自己每個月的金錢流向，從中擠出「泡麵預算」，用儲蓄與投資迅速取得成果，然後再進一步滾出更大的規模。
本書的目的並不是要教你快速致富，或者要你成為一個在股市中大殺四方的投資人，而是要你成為一個懂得讓錢滾錢的「財務健全者」。
最棒的是，無論你目前的收入、存款、債務數字是多少，你都可以透過這套方法論，改變你的未來，過上比現在更好的生活！
用10個步驟，
從計畫、行動到複習，
Step by Step打造最強個人財務系統！
1. 預算：學習制定預算、維持預算，以及自動化分配預算。
2. 儲蓄：執行讓錢滾錢的儲蓄計畫，實現你的短期與長期目標。
3. 債務：執行讓債務歸零的還債計畫，交叉運用「滾雪球式」與「雪崩式」還債法達成目標。
4. 信用：衝高信用分數，養出一個符合你年齡的信用紀錄，讓滾錢計畫事半功倍。
5. 賺錢：你能賺到的錢比你想的多更多，使用自我加值密技賺到更多錢。
6. 投資：不必弄懂複雜的投資商品與公式，你也能善用複利做安全又有效的懶人投資。
7. 保險：找出你的需求，制定四大保險計畫來保護你的資產。
8. 淨資產：設定目標與策略，讓資產淨值由負轉正、年年成長。
9. 財務團隊：單打獨鬥不如團隊合作，借助專家的力量賺取更多資產紅利。
10.遺產：思考、確認、制定與執行一個能澤遺後人的資產分配計畫。
作者
蒂芙尼‧阿里奇（Tiffany Aliche）
屢屢獲獎的金融教育家。她的公司「The Budgetnista」發起了一場金融運動，透過教育協助全球超過100萬名婦女，使她們有能力償還債務、節省開支、達成夢想。她的職業生涯始於一名幼教老師，十年後創辦傳授金融知識的線上課程。
她的部落格thebudgetnista.com和Podcast節目「Brown Ambition」曾多次獲獎，並獲CNN、USA Today、《紐約時報》、《華爾街日報》、《富比士》雜誌、《美國新聞與世界報導》等媒體採訪報導。
譯者
周怡伶
台灣輔仁大學新聞傳播系、英國約克大學社會學研究所畢業，曾任職非營利組織、出版編輯及內容創作，旅居英國並從事翻譯十餘年，專長社會人文及知識性作品。
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4.1 ★★★★★
Based on 1678 reviews
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Product Reviews
★★★★★ 5
Dog ignores, but I like
Color: Ivory, Size: 2' x 3' (Pelt), Color: Ivory, Size: 2' x 3' (Pelt)
I bought this for my dog, who is old and has creaky joints. My dog prefers to continue resting in uncomfortable places that put my plants in peril. He does not ever recline on this dead sheep and looks at me as though I am the sheep slaughterer.
Spouse asked if it came in bigger sizes. Since this is the skin of a dead sheep, it depends on live sheep girth. Anything bigger would likely have to be sewn together from multiple dead sheep.
I find the girth of this sheep pelt perfectly acceptable. It is nice and thick and soft and fairly easy to vacuum. I frequently recline on it when stretched out on the floor, and am grateful it does not leave a mess or make noise like my dog, who should be grateful that his pelt is still attached to his body.
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Reviewed in the United States on January 4, 2024
★★★★★ 1
SHRINK Wrapped. NO Customer Support.
Color: Ivory, Size: 2' x 3' (Pelt)
These arrived shrink wrapped and when put down as throw rugs, are lumpy. They are a little less so after 10 minutes on air fluff in the dryer.
They look nice and fit my bedroom well but I’m concerned about walking over them since I prefer a level surface that is even.
Customer support does NOT exist. There appears to be a chat option but there are no responses.
Reading other information, I’ve decided to try a metal comb. So now I’m waiting for that to arrive.
If it wasn’t so difficult to deal with the size difference, I would have simply returned them. I may still and just purchase a return container.
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Reviewed in the United States on January 3, 2026
★★★★★ 5
100 % genuine sheepskin.
Color: Ivory, Size: 2' x 3' (Pelt)
Just received today. Beautiful sheepskin rug. 100 percent natural long fibers. As the listing states..."it has the wrong labei". That must be why the "experts" complained. Out of several rugs i own, this one is the nicest. Slight smell but airing it out will take care of that.
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Reviewed in the United States on September 3, 2025
★★★★★ 4
Overall good quality
Color: Ivory, Size: 2' x 3' (Pelt), Color: Ivory, Size: 2' x 3' (Pelt)
I was pleasantly surprised by the thickness of this rug. No bad smell coming off it. I like the leather backing on it. Wasn't as soft/fluffy straight out the bag but a quick brush fixed that issue for me. So far even with the brushing there is minimal shedding. Bought as a gift for my husband but my son enjoys it.
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Reviewed in the United States on March 9, 2023
★★★★★ 5
Soft and easy to comb and fluff again.
Color: Ivory, Size: 2' x 6' (Runner)
This sheep skin fit perfectly in front of DOG'S couch! It is the go to place to curl up or stretch out after tearing up the yard playing!
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Reviewed in the United States on May 11, 2026