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MONEY Master the Game: 7 Simple Steps to Financial Freedom, by Tony Robbins

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In his first book in two decades, Anthony Robbins turns to the topic that vexes us all: How to secure financial freedom for ourselves and for our families. “If there were a Pulitzer Prize for investment books, this one would win, hands down” (Forbes.com).

Tony Robbins is one of the most revered writers and thinkers of our time. People from all over the world—from the disadvantaged to the well-heeled, from twenty-somethings to retirees—credit him for giving them the inspiration and the tools for transforming their lives. From diet and fitness, to business and leadership, to relationships and self-respect, Tony Robbins’s books have changed people in profound and lasting ways. Now, for the first time, he has assembled an invaluable “distillation of just about every good personal finance idea of the last forty years” (The New York Times).

Based on extensive research and interviews with some of the most legendary investors at work today (John Bogle, Warren Buffett, Paul Tudor Jones, Ray Dalio, Carl Icahn, and many others), Tony Robbins has created a 7-step blueprint for securing financial freedom. With advice about taking control of your financial decisions, to setting up a savings and investing plan, to destroying myths about what it takes to save and invest, to setting up a “lifetime income plan,” the book brims with advice and practices for making the financial game not only winnable—but providing financial freedom for the rest of your life. “Put MONEY on your short list of new books to read…It’s that good” (Marketwatch.com).

• Sales Rank: #3917 in Books
• Published on: 2016-03-29
• Released on: 2016-03-29
• Original language: English
• Number of items: 1
• Dimensions: 9.00" h x 1.20" w x 6.00" l, .0 pounds
• Binding: Paperback
• 688 pages

Review
“MONEY Master the Game will be a huge help to investors. Tony Robbins dropped by my office for a forty-minute appointment that lasted for four hours. It was the most provocative, probing interview of my long career, a reaction shared, I’m sure, by the other souls with strong investment values and sharp financial minds who populate this fine book. This book will enlighten you and reinforce your understanding of how to master the money game and, in the long run, earn you financial freedom.” (John C. Bogle, founder, the Vanguard Group and the Vanguard Index Funds)

In this book Tony Robbins brings his unique talent for making the complex simple as he distills the concepts of the best investors in the world into practical lessons that will benefit both na�ve investors and skilled professionals." (Ray Dalio, founder and co-Chief Investment Officer, Bridgewater Associates)

“Tony Robbins is a human locksmith—he knows how to open your mind to larger possibilities. Using his unique insights into human nature, he’s found a way to simplify the strategies of the world’s greatest investors and create a simple 7-step system that anyone can use on the path to the financial freedom they deserve.” (Paul Tudor Jones, founder, Tudor Investment and Legendary Trader)

“In this book Tony masterfully weaves anecdote and expertise to simplify for readers the process of investing—priming their financial education and helping them effectively plan for their future.” (Mary Callahan Erdoes, CEO, J.P. Morgan Asset Management)

“You can’t meet Tony Robbins and listen to his words without being inspired to act. This book will give you the strategies to create financial freedom for yourself and your family.” (T. Boone Pickens)

“Robbins' common-sensical, relentlessly positive, often highly specific advice is both useful and inspirational…” (Kirkus)

“That rare gift that keeps on giving….Robbins has produced a book that will appeal to both the beginner and the most sophisticated money jockey overseeing multibillions of dollars in assets….If there were a Pulitzer Prize for investment books, this one would win, hands down.” (Forbes.com)

“A commanding book….after reading this book, readers will be armed with the essential tools they need to gain control of their financial future and chart a path to success.” (Publishers Weekly)

“Mr. Robbins delves deep into the topic of money, touching on the psychology of wealth, what holds people back from achieving financial success — and some cures…. provides a hefty dose of the psychology and the science of personal achievement that Mr. Robbins is famous for. But at its core, the book distills a seven-step action plan that Main Street readers — from college graduates to pre-retirees — can use to build a better future for themselves and their families.” (Pittsburgh Post-Gazette)

“A distillation of just about every good personal-finance idea of the last 40 years. Mr. Robbins passionately advocates diversification, buying index funds to keep investment expenses low and increasing the percentage you save every time you get a raise.” (New York Times)

“I highly recommend you put ‘Money: Master the Game’ on your short list of new books to read. Chances are, you'll be coming back to it again and again and pass your dog-eared copy on to your kids. It's that good. (Marketwatch.com)

About the Author
Tony Robbins is a bestselling author, entrepreneur, and philanthropist. For more than thirty-seven years, millions of people have enjoyed the warmth, humor, and dynamic presentation of Mr. Robbins’s corporate and personal development events. He is the nation’s #1 life and business strategist. He’s called upon to consult and coach with some of the world’s finest athletes, entertainers, Fortune 500 CEOs, and even presidents of nations.

As an entrepreneur, he has more than twenty companies, a dozen of which he actively manages. At present, the companies he founded or partnered in have combined annual sales of more than $6 billion a year.

Also of note is Robbins’s marquee philanthropy, which spans more than three and a half decades of serving those forgotten by society—children, the imprisoned, and the homeless. He is responsible for feeding more than 42 million people. This year, through his partnership with Feeding America, Robbins has committed to personally provide 50 million meals to those in need, and he is at work to get matching funds to feed 100 million more.

A #1 New York Times bestselling author, he lives in Palm Beach, Florida.

�

Excerpt. � Reprinted by permission. All rights reserved.
Money Master the Game CHAPTER 1.1 IT’S YOUR MONEY! IT’S YOUR LIFE! TAKE CONTROL
Money is a good servant but a bad master.

—SIR FRANCIS BACON

Money.

Few words have the power to provoke such extreme human emotions.

A lot of us refuse to even talk about money! Like religion, sex, or politics, the topic is taboo at the dinner table and often off-limits in the workplace. We might discuss wealth in polite company, but money is explicit. It’s raw. It’s garish. It’s intensely personal and highly charged. It can make people feel guilty when they have it—or ashamed when they don’t.

But what does it really mean?

For some of us, money is vital and crucial but not paramount. It’s simply a tool, a source of power used in service of others and a life well lived. Others are consumed with such a hunger for money that it destroys them and everyone around them. Some are even willing to give up things that are far more valuable to get it: their health, their time, their family, their self-worth, and, in some cases, even their integrity.

At its core, money is about power.

We’ve all seen how money can have the power to create or the power to destroy. It can fund a dream or start a war. You can provide money as a gift or wield it as a weapon. It can be used as an expression of your spirit, your creativity, your ideas—or your frustration, your anger, your hate. It can be used to influence governments and individuals. Some marry for it—and then find out its real price.

But we all know that on some level it’s an illusion. Money isn’t even gold or paper today, it’s zeros and ones in banking computers. What is it? It’s like a shape-shifter or a canvas, assuming whatever meaning or emotion we project on it.

In the end, money isn’t what we’re after�.�.�. is it? What we’re really after are the feelings, the emotions, we think money can create:

that feeling of empowerment,

of freedom,

of security,

of helping those we love and those in need,

of having a choice, and

of feeling alive.

Money is certainly one of the ways we can turn the dreams we have into the reality we live.

But even if money is just a perception—an abstract concept—it doesn’t feel that way if you don’t have enough of it! And one thing is for sure: you either use it, or it uses you. You either master money, or, on some level, money masters you!

How you deal with money reflects how you deal with power. Is it an affliction or a blessing? A game or a burden?

When I was choosing the title of this book, a few people were actually outraged at the suggestion that money could be a game. How could I use such a frivolous term for such a serious topic! But, hey, let’s get real. As you’ll see in the pages to come, the best way to change your life is to find people who’ve already achieved what you want and then model their behavior. Want to master your finances? Find a financial master and imitate how he or she deals with money, and you will have found a pathway to power.

I can tell you right now, I have interviewed many of the wealthiest people in the world, and most of them do think of money as a game. Why else would anyone work ten or 12 hours a day after they’ve made billions of dollars? And remember, not all games are frivolous. Games are a reflection of life. Some people sit on the sidelines, and some play to win. How do you play? I want to remind you, this is a game that you and your family can’t afford to lose.

My promise to you is this: if you will stay with me and follow the 7 Simple Steps in this book—the steps that have been distilled from the world’s most successful financial players—you and your family will win this game. And you can win big!

But to win, you have to know the rules and learn the best strategies for success from those who have already mastered the game.

The good news is that you can save years of time—and in a few minutes—by simply learning the pitfalls to avoid and the shortcuts to experiencing lasting success. The financial industry often works to make this topic feel incredibly complex, but in reality, once you get past the jargon, it’s relatively simple. This book is your opportunity to stop being the chess piece and become the chess player in the game of money. I think you’re going to be very surprised at how, with an insider’s understanding, you can easily transform your financial life and enjoy the freedom you deserve.

So let’s get to it. Just imagine what life would be like if you had mastered this game already.

What if money didn’t matter?

How would you feel if you didn’t have to worry about going to an office every morning, or paying the bills, or funding your retirement? What would it be like to live your life on your own terms? What would it mean to know you had the opportunity to start your own business, or that you could afford to buy a home for your parents and send your kids to college, or have the freedom to travel the world?

How would you live your life if you could wake up each day knowing there was enough money coming in to cover not only your basic needs but also your goals and dreams?

The truth is, a lot of us would keep working, because that’s the way we’re wired. But we’d do it from a place of joy and abundance. Our work would continue, but the rat race would end. We’d work because we want to, not because we have to.

That’s financial freedom.

But is it a pipe dream? Is it really possible for the average person—more importantly, for you—to make this dream a reality?

Whether you want to live like the 1% or just have the peace of mind from knowing that you won’t outlive your savings, the truth is you can always find a way to make the money you need. How? The secret to wealth is simple: Find a way to do more for others than anyone else does. Become more valuable. Do more. Give more. Be more. Serve more. And you will have the opportunity to earn more—whether you own the best food truck in Austin, Texas, or you’re the top salesperson at your company or even the founder of Instagram.

But this book isn’t just about adding value—it’s really about how to go from where you are today to where you truly want to be, whether that’s financially secure, independent, or free. It’s about increasing the quality of your life today by developing the one fundamental skill that the vast majority of Americans have never developed: the mastery of money. In fact, 77% of Americans—three of every four people—say they have financial worries, but only 40% report having any kind of spending or investment plan. One in three baby boomers have less than $1,000 saved! Polls show that fewer than one in four trust the financial system—with good reason! And stock ownership has been hitting record lows, particularly among young people. But the truth is, you don’t earn your way to freedom. As you’ll see later in this book, even multimillion-dollar earners such as Godfather director Francis Ford Coppola, boxer Mike Tyson, and actress Kim Basinger lost it all because they didn’t apply the fundamentals that you’ll soon be learning. You have to be able to not only hold on to a portion of what you earn for your family, but, more importantly, multiply what you earn—making money while you sleep. You have to make the shift from being a consumer in the economy to becoming an owner—and you do it by becoming an investor.

Actually, a lot of us are already investors. Maybe you first got into the game when Grandma bought you a few shares of her favorite stock just for being born, or perhaps your employer auto-enrolled you in the company’s 401(k), or maybe you first became an investor when a friend told you to forget the Kindle and buy Amazon stock instead.

But is this enough? If you’re reading this now, my guess is that you know the answer: no way! I don’t have to tell you it’s not your parents’ and grandparents’ investment world. The plan used to be so simple: go to college, get a job, work your butt off, and then maybe get a better job with a bigger corporation. After that, the key was to find a way to add value, move up the ladder, invest in company stock, and retire with a pension. Remember pensions? A promise of a never-ending income for life? They’ve become relics.

You and I both know that world is over. We live longer now on less money. New technologies keep coming online, stoking a system that often seems designed to separate us from our money instead of helping us grow it. As I write these words, interest rates on our savings hover near zero, while the markets rise and fall like corks on the ocean. Meanwhile, we’re faced with a financial system of limitless choices and mind-boggling complexity. Today there are more than 10,000 mutual funds, 1,400 different ETFs, and hundreds of global stock exchanges to choose from. It seems like every day we’re pitched more and more complex investment “instruments” with an alphabet soup of acronyms: CDOs, REITs, MBSs, MLPs, CDSs, CETFs�.�.�.

WTF?

How about HFT? That’s short for high-frequency trading, where 50% to 70% of the tens of millions of trades that churn through the market each day are now generated by high-speed machines. What does that mean for you? It takes only a half second, or about 500 milliseconds, to click your mouse to complete your E*Trade order. In that short time, the big boys with the supercomputers will have bought and sold thousands of shares of the same stock hundreds of times over, making microprofits with each transaction. Michael Lewis, bestselling author of the HFT expos� Flash Boys: A Wall Street Revolt, told 60 Minutes, “The United States stock market, the most iconic market in global capitalism, is rigged�.�.�. by a combination of the stock exchanges, the big Wall Street banks, and high-frequency traders�.�.�. They’re able to identify your desire to buy shares in Microsoft and buy them in front of you and sell them back to you at a higher price!” How fast are these guys? One HFT firm spent a quarter of a billion dollars to straighten the fiber-optic cables between Chicago and New York, reconstructing the landscape and literally terraforming the earth to shave 1.4 milliseconds off its transmission time! But even that’s not fast enough. Some trades already take place in microseconds—that’s a millionth of a second. Soon HFT technology will allow these trades to happen in nanoseconds—a billionth of a second. Meanwhile, they’re laying cable on the ocean floor, and there’s even talk of solar-powered drones acting as microwave relay stations to connect exchanges in New York and London.

If all of this leaves you reeling, I’m with you. What are your chances of competing with flying robots trading at the speed of light? Where do you turn to find a path through this high-tech, high-risk maze of choices?

An expert is an ordinary man away from home giving advice.

—OSCAR WILDE

The problem is, when it comes to money (and investing), everybody has an opinion. Everybody’s got a tip. Everybody has an answer. But I’ll give you a hint: they rarely have one that will really help you. Have you noticed how beliefs around money are like religion and politics? Conversations can get intense and emotional. Especially online, where people without any real knowledge or mastery will promote their own theories and criticize others’ strategies with such vehemence, even though they have no proven track record. It’s like a psychologist on Prozac telling you how you can have a fulfilled life. Or an obese person telling you how to get thin and fit. I tend to separate pundits into those who talk the talk and those who walk the walk. I don’t know about you, but I’m sick and tired of hearing from all these “experts” who tell us what to do, but haven’t produced results in their own lives.

If you thought you were going to hear from another investment guru making crazy promises, you came to the wrong place. I’ll leave that to the financial entertainers who scream at you about buying the hottest stock, or implore you to save your money and put it in some mythical mutual fund. You know the one, where they promise you’ll continuously compound your money with 12% annual growth. They dole out advice that too often has no basis in reality, and often they don’t even invest in the products they push. Some of them might sincerely think they’re helping, but people can be sincere and be sincerely wrong.

I want you to know I’m not one of those “positive thinkers” who’s going to pump you up with a false view of the world. I believe in intelligence. You have to see things as they really are but not worse than they are—that view of life only gives you the excuse to do nothing. You may know me as the “smiling guy with the big teeth” on TV, but I’m not here to tell you to do a bunch of affirmations—I’m the guy who’s focused on helping you dig deep, solve real problems, and take your life to the next level.

For 38 years, I’ve been obsessed with finding strategies and tools that can immediately change the quality of people’s lives. I have proven their effectiveness by producing measurable results where others have failed. So far I’ve reached more than 50 million people from 100 different countries through my books, videos, and audio programs, and another 4 million in live events.

What I’ve known from the beginning is that success leaves clues. People who succeed at the highest level are not lucky; they’re doing something differently than everyone else does. I’m interested in those people: those who have a relentless hunger to learn and grow and achieve. Don’t get me wrong. I’m not deluded. I’m aware there are very few people in the world who are fit and healthy and who sustain it. Most people don’t have decades of sustained love and passion in their intimate relationships, nor do they experience ongoing gratitude and joy. There are very few people who maximize their business opportunities. And there are even fewer who start with little or nothing and become financially free.

But a few do! A few do have great relationships, great joy, great wealth, and endless gratitude. I have studied the few who do versus the many who talk. If you want to look for obstacles, what’s wrong is always available. But so is what’s right! I am a hunter of human excellence. I seek out those individuals who break the norms and demonstrate to all of us what’s really possible. I learn what those few extraordinary individuals do that’s different from everybody else, and then emulate them. I find out what works, and then I clarify it, simplify it, and systematize it in a way to help people move forward.

Ever since the dark days of 2008, when the global financial system nearly melted down, I’ve been obsessed with finding a way to help everyday people take control of their money and fight back against a system that’s often been rigged against them. The fix has been in for years, and it hasn’t gotten a whole lot better with all those so-called reforms on Capitol Hill. In some areas, it’s gotten worse. To find answers, I interviewed 50 of the most brilliant, influential players in the world of money. In this book, you won’t get talking heads, and you won’t get my opinions, either. You’ll hear it straight from the masters of the game: self-made billionaires, Nobel laureates, and financial titans. Here’s just a sampling of a few of the masters of money that you will be learning from in the pages ahead:

•�John C. Bogle, the 85-year-old sage with 64 years of stock market history and the founder of the Vanguard Group, the number one mutual fund company in the world;

•�Ray Dalio, founder of the largest hedge fund on the planet, with $160 billion in assets;

•�David Swensen, one of the greatest institutional investors of all time, who grew Yale University’s endowment from $1 billion to more than $23.9 billion in less than two decades;

•�Kyle Bass, a man who turned $30 million in investments into $2 billion in two years during the subprime crisis;

•�Carl Icahn, who has outperformed Warren Buffett, the market, and virtually everyone else in the last one-, five-, and ten-year cycles;

•�Mary Callahan Erdoes, whom many consider to be the most powerful woman in finance. She oversees more than $2.5 trillion as CEO of J.P. Morgan Asset Management; and

•�Charles Schwab, who led a revolution to open up Wall Street to individual investors, and whose iconic company now has $2.38 trillion under management.

I’ll put you in the room with these and many other superstars who get consistent results, decade after decade, in up markets and down, booms and busts. Together we will uncover the core secrets to their investment success and see how to apply them even to the smallest amount of money.

And here is the key: I wrote this book based on timeless wisdom of the most successful investors in the world. After all, none of us knows which way the economy will be headed by the time you’re reading this book. Will there be inflation or deflation? A bull market or a bear? The idea is to know how to survive and thrive in any market condition. These real experts will explain how. Plus, they’ll be opening their portfolios to show you the mix of investments that they rely on to weather every storm. And they’ll answer this question: If you couldn’t pass on any of your financial wealth to your children, but only a set of principles, what would they be? That could be the greatest inheritance of all, and you don’t have to be one of their kids to get it!

The secret of getting ahead is getting started.

—MARK TWAIN

Get ready, because together we’re about to go on a journey through 7 Simple Steps to financial security, independence and freedom! Whether you’re a millennial just starting out, a baby boomer facing retirement, or a sophisticated investor looking to keep your edge, this book will offer you a practical blueprint for setting and achieving your financial goals and help you break free from whatever limiting behaviors might be holding you back from true abundance. We’ll explore the psychology of wealth, something I’ve studied and taught for nearly four decades. We’ll tackle the money mistakes people make, zeroing in on what keeps them from following through on their best-laid plans. And to make sure you get the results you desire, I’ve gone to the best behavioral economists on earth to find solutions that really work—small, simple adjustments that automatically trigger you to do what others need discipline to maintain; strategies that can make the difference between retiring comfortably or dying broke.



Let’s face it: so many smart and accomplished people have put aside this area of money because it seems so complicated and overwhelming. One of the first people I gave this manuscript to to review is a brilliant friend named Angela who has accomplished mastery in many areas of her life—but never in the area of money. She told me that people thought she was amazing because she’d sailed 20,000 miles of ocean in some of the roughest seas on small sailboats. But she knew she neglected her finances, and it embarrassed her. “It seemed so confusing, and I couldn’t be competent. I already felt defeated, so I gave up, even though it’s not in my nature.” But she found that by following the 7 Simple Steps in this book, she could finally get control of her finances, and it was easy and painless! “Gosh, I could save for my future just by cutting a few things that don’t give me joy,” she told me. Once she started thinking about saving, she was able to set up an automatic investment account, and by chapter 2.8, she had already transformed her life.

A few days later, she came in to see me and said, “I got my first-ever brand-new car.”

I asked her, “How did you do it?”

She said, “I began to realize that I was spending more money on my old car for repairs and gas than it cost me to finance a brand-new car!” You should have seen the look on her face when she pulled up in a shiny new pearlescent white Jeep Wrangler.

So I want you to know that this book is not just about how to have a comfortable retirement, but also about how to have the quality of life you desire and deserve today. You can live life on your own terms while you simultaneously lock in your future quality of life as well! The feeling of empowerment and inner strength and certainty that you experience when you master this area of your life will spill into everything else: your career, your health, your emotions, and your relationships! When you lack confidence about money, it unconsciously affects your confidence in other areas too. But when you take charge of your finances, it empowers you and excites you to take on other challenges!

What holds us back from getting started on the road to financial freedom? For a lot of us, like my friend Angela, it’s the feeling that we’re in over our heads. We’ve been taught to think, “This is too complex” or “This is not my field.” Frankly, the system is designed to be confusing, so that you’ll give up control to the “professionals” who reap enormous fees by keeping you in the dark. You’re going to learn in the chapters ahead how to prevent that from happening, and, most importantly, I’m going to show you that investing your way to freedom isn’t confusing at all.

One reason people succeed is that they have knowledge other people don’t. You pay your lawyer or your doctor for the knowledge and skills you don’t have. They also have their own special language that can at times keep them insulated from the rest of us.

For example, in the medical world, you might hear that 225,000 people have died “iatrogenic deaths” in the past year. According to the Journal of the American Medical Association (JAMA), it’s the third largest cause of death in the United States. Iatrogenic. How’s that for a hundred-dollar word? It sounds important, but what does it even mean? Is it a rare tropical disease? A genetic mutation? No, iatrogenic actually refers to an inadvertent death caused by a doctor, or a hospital, or an incorrect or unnecessary medical procedure.

Why don’t they just come out and say so? Because it doesn’t serve a medical institution’s interests to put it in plain language a layperson can understand. The financial world has its own jargon too, with special words for things that are really additional fees disguised in language that would make it impossible for you to realize it is taking much more of your money than you would ever imagine.

I hope you’ll let me be your translator as well as your guide on this journey. Together we’ll break the code and cut through the complexity that keeps most of us feeling like outsiders in the world of finance.

Today there is so much information that even the most sophisticated investors can feel overloaded. Especially when we realize what’s being pushed on us often has nothing to do with our needs. Say you’re having some mild chest pains, and you Google the word heart. What do you see? It’s not something about the heart attack you might want to deal with right now. Instead, you get Heart, the music group that hasn’t had a hit in 20 years. How does that help you?

My plan is to serve you by becoming your personal financial search engine—a smart search engine, one that will filter through all the superfluous, even harmful financial information out there to deliver simple, clear solutions.

Before you know it, you’ll be an insider too. You’ll learn why chasing returns never works, why nobody beats the market long-term,1 and why the vast majority of financial experts don’t have a legal responsibility to serve your best interests. Crazy, right? You’ll learn why the returns advertised by mutual funds are not the returns you actually earn. You’ll find solutions that could add literally millions of dollars to your lifetime of investing returns—statistical studies show that you can save between $150,000 and $450,000 just by reading and applying the principles of section 2 of this book! You’ll be putting money back in your own pocket, not the “fee factories.” You’ll also learn about a proven way of growing your money with 100% principal protection, and tax free to boot (IRS-approved). This vehicle is finally available to individual investors like you.

And here’s what truly sets this book apart: I don’t just tell you about investment strategies that the ultrawealthy have and that you can’t afford or access; I’ve found ways to make them affordable and accessible for you! Why should the privileged few be the only ones to tap into extraordinary opportunities? Isn’t it time that we level the playing field?

Remember, it’s your money, and it’s time for you to take control.

A moment’s insight is sometimes worth a life’s experience.

—OLIVER WENDELL HOLMES, SR.

Before we go on, let me tell you what moved me to write this book. If you’ve watched any of the coverage of my work over the years, or if you’ve read any of my previous books, you probably know my track record for creating massive and measurable change—helping people lose 30 to 300 pounds, turning around relationships that seem to be at their end, helping business owners grow their companies 30% to 130% in a year. I also help people overcome enormous tragedies—from couples who’ve lost a child, to soldiers coming back from Afghanistan with post-traumatic stress disorder. My passion is helping people create real breakthroughs in their relationships, their emotions, their health, their careers, and their finances.

For nearly four decades, I’ve had the privilege of coaching people from every walk of life, including some of the most powerful men and women on the planet. I’ve worked with presidents of the United States as well as presidents of small businesses. I’ve coached and helped transform the performance of sports stars, from the early days with hockey great Wayne Gretzky to today’s superstar Serena Williams. I’ve had the privilege to work with award-winning actors with the coolness of Leonardo DiCaprio and the warmth of Hugh Jackman. My work has touched the lives and performances of top entertainers from Aerosmith to Green Day, Usher to Pitbull to LL Cool J. And billionaire business leaders as well, such as the casino magnate Steve Wynn and the internet wizard Marc Benioff. In fact, Marc quit his job at Oracle and began building Salesforce.com after attending one of my Unleash the Power Within seminars in 1999. Today it’s a $5 billion enterprise and has been named the “World’s Most Innovative Company” by Forbes magazine for the last four consecutive years. So obviously my clients don’t come to me for motivation. They have plenty of that already. What they get from me are strategies that help them hit the next level and keep them at the top of their game.

In the financial arena, since 1993 I’ve had the honor to coach Paul Tudor Jones, one of the top ten financial traders in history. Paul predicted the October 1987 Black Monday crash—still the largest single-day US stock market decline (by percentage) ever. While markets plummeted around the world and everyone else was losing his shirt, Paul as much as doubled his investors’ money in 1987. He did it again in 2008, bringing his investors nearly a 30% positive return while the market plummeted 50%! My job working with Paul is to capture the principles that guide all his decisions. Then I put them into a system that he uses daily and, most importantly, at critical times. I’m not a positive-thinking coach. Quite the opposite: I’m a prepare-for-anything coach. I’ve been in touch with Paul, tracking his trading every day through a roller coaster of market conditions. From the tech bubble of the late 1990s to 9/11. From the growth in real estate and the collapse of the subprime market to the financial meltdown of 2008. I’ve been there during the subsequent European debt crisis as well as the largest one-day percentage crash in gold prices in three decades in 2013.

In spite of the diversity of these financial challenges, in 28 full consecutive years, Paul has never had a single losing year. I’ve been working with Paul for the last 21 of those years. He is truly unmatched in his ability to find the way to victory. I’ve had the privilege of being shoulder-to-shoulder with him while he made money consistently, no matter how volatile the market. Through him, I’ve learned more about the real world of investing and how decisions are made in tough times than I could get from a hundred MBA courses.

I’m also incredibly blessed to not only work with Paul during this time but also consider him one of my dearest friends. What I love and respect about Paul is that he not only creates financial results for himself but also is one of the most extraordinary philanthropists in the world. Over the years, I’ve watched him grow the Robin Hood Foundation from the simple idea of harnessing the power of free markets to alleviate poverty in New York into what Fortune magazine has called “one of the most innovative and influential philanthropic organizations of our time.” So far Robin Hood has distributed more than $1.45 billion in grants and initiatives, changing millions of lives in the process.

I’ve also learned my own lessons along the way, some through the pain of my own trials and errors—which this book is designed to help you avoid as much as possible. I’ve earned my own scars on Wall Street. I took a company public when I was 39 years old and watched my personal net worth soar to over $400 million in a few weeks—and then plunge back to earth with the dot-com crash of 2000!

But that stock market “correction” was nothing compared with what we’ve all been through in recent years. The meltdown of 2008–09 was the worst economic crisis since the Great Depression. Do you remember how it felt when it looked like our financial world was coming to an end? The Dow Jones Industrial Average plunged 50%, dragging down your 401(k) with it. The bottom fell out in real estate, and the price of your home may have plummeted by 40% or more. Millions of people lost the gains from a lifetime of hard work, and millions more lost their jobs. During those terrible months, I received more phone calls from a greater variety of people needing help than ever before. I heard from barbers and billionaires. People would tell me they were losing their homes, their savings were gone, their children couldn’t go to college. It just killed me because I know what that feels like.

I’ve worked hard and been blessed with financial success, but it wasn’t always that way. I grew up with four different fathers in California’s dusty San Gabriel Valley. I can vividly remember, as a kid, not picking up the phone or answering the door because I knew who was there—it was the bill collector, and we had no money to pay him. As a teenager, I was embarrassed to have to wear school clothes we bought for 25 cents at the thrift shop. And kids can be pretty brutal when you are not “hip.” Today the thrift-store shopping would be a sign of coolness—go figure! And when I finally got my first car, a beat-up 1960 Volkswagen bug, the car had no reverse, so I parked on a hill, and there was never enough money for gas. Thankfully, I didn’t buy the theory that this is just how life is. I found a way to overcome my circumstances. Because of my own experiences, I can’t stand to see anybody suffer. It makes me crazy. And 2008 brought more needless economic suffering than I had seen in my lifetime.

In the immediate aftermath of the stock market crash, everybody agreed that something had to be done to fix the system. I kept waiting for those promised changes to happen, but years later it was still business as usual. And the more I learned about the roots of the financial crisis, the angrier I got. My personal tipping point came after I watched an Academy Award–winning documentary called Inside Job, narrated by Matt Damon, about the Wall Street gunslingers who took crazy risks with our money and nearly toppled the economy. And their penalty? We the taxpayers bailed them out, and somehow the same cast of characters was put in charge of the recovery. By the end of the film, I was seething with frustration, but I converted my anger into a question: “What can I do?”

This book was the answer.

There is no friend as loyal as a book.

—ERNEST HEMINGWAY

It wasn’t an easy decision. I haven’t written a major book in almost 20 years. Last year, on average, I was on a plane once out of every four days traveling to more than 15 countries. I run a dozen companies and a nonprofit. I have four children, an amazing wife, and a mission I love and live. To say my life is full would be an understatement. Both Unlimited Power and Awaken the Giant Within were international bestsellers, and that was enormously gratifying, but I haven’t felt compelled to write again until now. Why? I love live events! I love the total-immersion experience, the immediacy and flexibility of communicating with 5,000 to 10,000 people at a time, going deep and keeping their focused attention for 50 hours in a weekend. And that in a day and age when most people won’t sit for a three-hour movie that someone spent $300 million to make. I can remember vividly Oprah telling me that she couldn’t stay for more than two hours—and 12 hours later she was standing on a chair and shouting to the camera, “This is one of the greatest experiences of my life!” Usher told me he loved my work, but certainly he wouldn’t last through an entire weekend. Just like Oprah, he ended up having the time of his life. Fifty hours later he said to me, “This is like going to one of the greatest concerts of my life! I was writing notes like crazy, and you made me laugh my ass off!”

My live-event experience is filled with so much emotion, music, excitement, and profound insights that people are moved to take massive action. They don’t just think, they don’t just feel, they change, they transform. And my body language and my voice are essential to my style of teaching. So, I’ve got to confess, when I sit down to write words on a page, I feel like there’s a gag over my mouth and one hand tied behind my back! Heck, I found that I could reach more than ten million people through one TED Talk alone.

So what made me change my mind?

The financial crisis caused tremendous pain, but it also made us reevaluate what’s most important in our lives—things that have nothing to do with money. It was a time to get back to basics, to the values that have sustained us through troubled times before. For me, it made me remember the days when I was sleeping in my car homeless and searching for a way to change my life. How did I do it? Books! They helped to establish me. I’ve always been a voracious reader: as a young man, I decided I was going to read a book a day. I figured leaders are readers. I took a speed-reading course. I didn’t quite read a book a day, but over seven years, I did read more than 700 books to find the answers to help myself and others. Books on psychology, time management, history, philosophy, physiology. I wanted to know about anything that could immediately change the quality of my life and anyone else’s.

But the books I read as a child made the deepest impression. They were my ticket out of a world of pain: a world with no compelling future. They transported me to a realm of limitless possibilities. I can remember Ralph Waldo Emerson’s essay on self-reliance, and the lines “There is a time in every man’s education when he arrives at the conviction that envy is ignorance; that imitation is suicide; that he must take himself for better, for worse, as his portion.” Another was a book by the philosopher James Allen, As a Man Thinketh, echoing the biblical proverb “As a man thinketh, so his heart will be.” It came to me at a time when my mind was a battlefield filled with fear. He taught me that everything we create in our lives starts with thought.

I devoured biographies of great leaders, great thinkers, great doers, like Abraham Lincoln, Andrew Carnegie, John F. Kennedy, and Viktor Frankl. I realized that the great men and women of the world had experienced pain and suffering much greater than my own. They weren’t just lucky, or even fortunate; somehow there was something in them, an invisible force that would not let them settle for less than they could do, or be, or give. I realized that biography is not destiny; that my past was not equal to my future.

Another favorite was an American classic from 1937, Napoleon Hill’s Think and Grow Rich. Hill spent two decades in the early 20th century interviewing 500 of the world’s most accomplished individuals, from Andrew Carnegie, to Henry Ford, to Theodore Roosevelt, to Thomas Edison, finding out what made them tick. He discovered that they all shared a relentless focus on their goals, and a combination of burning desire, faith, and persistence to achieve them. Hill’s message that ordinary people could overcome any obstacle to success gave hope to a generation of readers struggling through the Great Depression. Think and Grow Rich became one of the bestselling books of all time.

Napoleon Hill’s quest has been an inspiration to me. Like his classic, this book is modeled on seeking out the best of the best in the world, from Warren Buffett to Sir Richard Branson—and including the man that experts in the field have called the Edison of our day: Ray Kurzweil, who invented the first digital music synthesizers, the first software to translate text into speech; he’s the man behind Siri on your iPhone. He developed a device that allows the blind to walk the streets and read road signs and order from any menu. Today Ray is head of engineering development for Google. But I wanted to write a book that went beyond the psychology and science of achievement to come up with a real plan, with real tools that you could use to build a better future for yourself and your family. It would be a handbook, a blueprint, an owner’s manual for the new economy.

As I began to reassociate to the power of a book, I thought, “I need to put these answers in a form that’s available to anyone.” And with today’s technology, this book has a few great advantages to help push you along the way. It has electronic segments where you can go online to see some of the men and women I interviewed and hear their words. We have an app that’s designed to trigger you to walk through the 7 Simple Steps so you don’t just learn the ideas but follow through and get the financial freedom you truly deserve.

By the way, when I began this adventure, people told me I was crazy. Many so-called experts—and even friends!—warned me I was nuts to try to bring the complex world of finance to a wide audience. Even my publisher begged me to write about anything else.

But I knew I could pull it off if I found the best voices to guide the way. Most of the people I’ve interviewed here do not give interviews, or if they do them, they’re extremely rare. They might speak in Davos, Switzerland, at the World Economic Forum, or for the Council on Foreign Relations, but bringing their knowledge to the general population, in their voices, has never been done before. Sharing their critical insights in a way that anyone could act on became the mission of this book.

I’ve been honored to have great relationships with some of the most influential people in the world: friends in high places who were willing to make a few calls on my behalf. Before long I found doors opening to me, and I was getting access to the masters of the game.

Welcome to the jungle�.�.�.

—“WELCOME TO THE JUNGLE,” Guns N’ Roses

So where do I start? I decided to start with a person who most people have never even heard of, even though he’s been called the Steve Jobs of investing. But ask any of the world’s financial leaders, whether they’re the chairwoman of the Federal Reserve, the head of an investment bank, or the president of the United States, and they all know about Ray Dalio. They read his weekly briefing. Why? Because governments call to ask him what to do, and he invests their money. Same with pension funds and insurance companies. He’s the founder of Bridgewater Associates, the world’s largest hedge fund, with $160 billion in assets under management (AUM) at a time when a large hedge fund might manage $15 billion. It used to take a net worth of $5 billion and an initial $100 million investment just to get in the door. But don’t bother trying; he won’t take your money—or anybody else’s—at this point.

Ray Dalio came from an unlikely background, born in Queens, New York, to a jazz musician father and a homemaker mother. He started as a caddy who picked up his first stock tips at the local golf course. Now he’s worth about $14 billion and is the 31st richest man in the United States. How did he do it? I had to find out! Here’s a man whose Pure Alpha fund, according to Barron’s, has lost money only three times in 20 years, and in 2010 he produced 40% returns for his key clients. Over the life of the fund (since launching in 1991), he’s produced a 21% compounded annual return (before fees). If there’s anyone I wanted to ask, “Can the average investor still make money in this crazy, volatile market?” it was Ray. So when he told me, “There’s no question you can still win,” I was all ears! How about you?

It’s not that easy to get access to Ray Dalio. But as it turns out, Ray already knew who I was, and he was a fan of my work. One afternoon I sat down with him in his surprisingly modest house on a wooded island off the Connecticut coast. He got right to the point, telling me that individual investors like you can win—but only if you don’t try to beat the pros at their own game.

“What they gotta know, Tony, is you can win,” he said. “But you can’t do it by trying to beat the system. You don’t want to try. I have fifteen hundred employees and forty years of experience, and it’s a tough game for me. This is poker with the best poker players on earth.”

Ray is 65 years old, speaks with a soft New York accent, and uses his hands like a conductor when he talks. He reminded me that poker, like playing the markets, is a zero-sum game. For every winner, there has to be a loser. “As soon as you’re in that game, you’re not just playing poker against the guys across the table. It’s a world game, and only a small percentage of people make real money in it. They make a lot. They may take money away from those who are not as good at the game,” he said. “So I would say to your investors, the average guy: you don’t want to be in that game.”

I asked Ray, “If you’re telling people they can’t compete in this game, should they be thinking twice about letting someone else play for them? What about the brokers and mutual fund managers who say they can get you better returns?”

“You think you’re going to a doctor, but they’re not doctors,” he told me. We’re trained to throw our total faith into doctors and do whatever they tell us without thinking, hoping they have all the answers. But Ray Dalio says that typical money managers are not going to help you win because they don’t have the skills or resources to play in the big game, either. “If they did, you wouldn’t have access to them.

“The Olympics is easy compared with what we do,” Ray continued. “This is more competitive. You can go to your broker-dealer, and you think you have to say, ‘Is that a smart guy?’ He might be smart. He might care about you. But you’ve got to ask, ‘How many gold medals has he won?’ You have to be very, very careful, because there are so many people who’d give you advice, but they have to be good enough to be able to take it away from the best in the game.”

So what’s the answer?

“Instead of trying to compete, you’ve gotta learn there is a passive way to win. There’s a way to not put all your eggs in one basket. It’s a system to protect yourself against all downsides, because the best investors know they’re going to be wrong, no matter how smart they are.”

Wait a second! Ray Dalio, who gets a compounded return of 21%, can still be wrong?

“That’s right, Tony, I’m gonna be wrong,” he said. “We’re all gonna be wrong. So we gotta set up a system that protects us from that.”

So, at the end of nearly three hours together, it was time for the big question: “Ray, what is that system?” And Ray said to me, “Tony, the last time I took money, you had to have a five-billion-dollar net worth to get access to my knowledge and the minimum investment was one hundred million. It’s really complex, and it changes a lot.”

I said, “C’mon, Ray. You just told me that nobody new can get access to you anyway. I know how much you care about people. If you couldn’t pass on your money to your children, and you could pass on only a set of principles or a portfolio—a system that will allow them to make money in good times and bad like you have—tell me what that would look like for the average investor?”

We went back and forth a bit, and in the end, guess what? He walked me through the sample ideal portfolio, the exact investment mix that would help you maximize returns with the least amount of downside volatility in any market.

What’s a portfolio? If you’re not familiar with the term, it’s just a collection of diverse investments that you put together to try to maximize your financial returns. Ray revealed a simple system of what to invest in and in what percentages and amounts. And when we looked back in history, we found that by using his strategy, you would have made money 85% of the time over the last 30 years (1984 through 2013)! That’s only four losing years in the last 30 years (1984 through 2013)—with a maximum loss of 3.93% in a year (and an average negative year of just 1.9%). And one of those four down years was just 0.03%, which most would chalk up to a breakeven. In 2008 you would have been down just 3.93% when the rest of the market lost 51% (from peak to trough)—all by just doing what Ray has shared with us. The plan he shared here has averaged a return of just under 10% per year (net of fees), and it’s an investment plan that you can easily set up for yourself! And it’s only one of the systems from the world’s greatest investors that you’ll learn when you get to section 6, “Invest Like the .001%: The Billionaire’s Playbook.”

Now, I know you want to jump ahead right now and look up the portfolio, but I want to remind you, there are 7 Simple Steps you have to follow to make this work. If you haven’t figured out where you’re going to get the money to invest, you haven’t figured out what your goals are, and you don’t know what the rules of the game are, then access to the best portfolio in the world will be worthless. So stay with me, and let’s stay in sequence. There’s a method to my madness!

How valuable is that information from Ray Dalio? If others have to have $5 billion to get access, and it cost you only the price of this book, then it’s not a bad return on investment!

As exciting as it was to learn his investment system, what I found most interesting about Ray is how he looks at the world. He sees it as a jungle, and his life as a constant, exhilarating battle.

“The way I look at life, Tony, we all have something we want, something that represents a greater quality of life. But to get there, you have to go through a jungle filled with challenge. If you pass through it, you get to the life you desire. It’s like I’m on one side of the jungle,” he told me. “And you could have a terrific job, a terrific life if you can cross that jungle. But there are all of these dangerous things and they can all kill you. So, do you stay on one side and have a safe life, or do you go into the jungle? How do you approach that problem?”

Ray goes into the jungle with very smart and trusted friends by his side, always asking, “What don’t I know?” “This is the key thing,” he said. “What has been very successful for me through my whole life is to not be arrogant about knowing, but to embrace the fact that I have weaknesses; that I don’t know a lot about this, that, and the other thing. The more you learn, the more you realize you don’t know.”

Is that ever the truth! And I was a living example. I went into this book thinking I knew what I was doing. After all, I’d had decades of experience. But during my four-year quest to meet the best investors on earth, I’ve been humbled over and over again by how much I didn’t know. And I found that unlike the talking heads who claim to have all the answers, the best are essentially humble. Like Ray Dalio, they’ll tell you what they think and then admit they could be wrong.

Riches are not an end of life, but an instrument of life.

—HENRY WARD BEECHER

As my journey continued, I found my mission was evolving. At each stop along the way, I was discovering tools, opportunities, and investment products available to ultrawealthy people that the average person never hears about. And ironically, some of the best ones have very little risk, or they have limited risk with what they call asymmetric risk/reward—which means the investors get a big upside potential for very little downside exposure. And that’s what the “smart money” lives for.

It was exciting for me to find out about these opportunities and take advantage of some of them, because at this stage of my life, I’m old enough, fortunate enough, and well off enough financially to have those choices. But my sons and my daughter don’t, and some of my dearest friends don’t, and, most important, likely neither do you (unless you’ve got tens of millions stashed away and you’re just reading this to see where Ray Dalio puts his money).

So I changed from being just a passive information gatherer in the world of investing to becoming a passionate advocate for my friends and readers. I wasn’t just going to tell you about something that wealthy people get to do; I wanted to open up these opportunities for everyone. So I looked for companies that have focused exclusively on the ultrawealthy and then worked to convince them to create new opportunities for investors at any economic level or any age level. I’ve worked to highlight their services, and in some cases, I’ve gone all in and partnered with them to help create new products that will be available to you for the first time. But what I’m most proud of is that I’ve persuaded many of them to open up their services for people who are not wealthy—for free! You will learn how to access a complimentary online platform called Portfolio CheckUp (www.PortfolioCheckUp.com) that will allow you to test-drive your broker and see if you’re truly overpaying for underperformance. I’m hoping this could be the beginning of a sea change in the world of personal finance, a real leveling of the playing field for the first time.

Why in the world do they do this? First, it’s the right thing to do. People need to know what they are truly paying for. Second, they know that people with lots of money didn’t always start out with lots of money. It’s the secret to wealth, remember? Do more for others than anybody else does. And if they do this for you at this stage of your life, they’re betting you won’t forget them in the future. You’ll become a raving fan and a loyal client forever.

That’s financial synergy. An opportunity to create the elusive win-win that rarely shows up in the world of Wall Street.

Kindness in words creates confidence. Kindness in thinking creates profoundness. Kindness in giving creates love.

—LAO-TZU

One of the great gifts of “mastering the game” is not only being able to win but to have enough to make a difference for others. No matter how difficult our situation may be, there are always people who are suffering more. When someone creates wealth, it’s his or her privilege, and, I believe, his or her responsibility, to give back to those who are just beginning the journey or those who have experienced tragedies that have knocked them off the path. As I will share with you later, my family was the recipient of a simple act of kindness when we literally had no food, and that changed my entire perspective on people and life. It helped shape who I am today.

So for decades I have worked to give back by feeding more than 2 million people a year through my Anthony Robbins Foundation, and for the last few years, my wife and I have personally matched all their contributions.

Today I’m proud to say that a kid who started with no food personally helps 4 million people a year to feel cared for and fed. In total, over 38 years, I’ve had the honor to feed 42 million people.

I want to use this book as a vehicle to help you develop enough wealth—both physical and emotional—so that you can be a force for good through your economic contributions as well as your time. I will tell you, though, if you won’t give a dime out of a dollar, you won’t give $1 million out of $10 million. The time to give is now! When I had nothing, I began this process. The reward is that if you give, even at the times when you think you have very little, you’ll teach your brain that there is more than enough. You can leave scarcity behind and move toward a world of abundance.

So I’d like to get you started on this path. As you read this book, know that you are not only helping yourself create a new financial future, but you are helping those 17 million American families who face hunger every day.2

How? I decided to do more in one year than I have in my entire lifetime. In the name of my readers, at the time of the first publication, I committed to providing 50 million meals to the men, women, and children in this country who suffer from hunger. I am proud to say that we exceeded our goal and provided 100 million meals in the first year alone! It opened to mind to what’s really possible and I am now financially committed to providing a quarter billion meals by the end of 2016 with the ultimate goal of 1 billion meals over the first decade since the original publication date.

You’d be surprised who these people are that are in such great need. Yes, some have been scarred by memories of serving in war and some are mentally or physically challenged. But millions are people just like you and me, who had a normal life and then the loss of a job, a health problem, or a family loss pushed them over the edge to where they could not meet their financial obligations. Most Americans are only a few lost paychecks away from insolvency. So together let’s reach out to help.

As I was writing this book, Congress slashed $8.7 billion from the food stamp budget. I witnessed firsthand the devastating impact this had on the volunteers and nonprofit organizations that work in the fight against hunger. That’s why I put up 50 million meals, and I’m using my influence to get matching funds so that we can provide 100 million meals to feed the hungry. You’re welcome to join in and help, but know this: because you bought the book, the one you are holding in your hand or reading on your iPad, you’re personally feeding 50 people. My hope is that by the end of this book, you’ll be inspired to make a small direct donation on your own as well. I have information in the last chapter on how you can use your “spare change to help change the world.” There are so many simple and enjoyable ways in which you can give and create a legacy you can feel truly proud of.

—

Whew, this has been quite a full chapter! I know it’s a lot, but hopefully it doesn’t feel long! Do I have you hooked on what’s really possible for your life now? Can you imagine what it will feel like to take yourself from where you are today to where you really want to be? What would it be like to have your experience of money no longer be a source of stress but rather a feeling of excitement and pride? I promise you the feelings you will have as you conquer this area of your life will create a new momentum not only with financial success but also in other areas of life that matter even more! Are you ready?

One final note, if you’ve read this far, I want to compliment you because, unfortunately, you’re in the top 10% of people who buy a nonfiction book. That’s right: statistics show that fewer than 10% of people who buy a book ever read past the first chapter. How insane is that? I wrote this book to be simple but also to give you the opportunity to go deep—to master the game, to arm you with the skills to master your financial world once and for all. It’s not meant to be a “little red book of investing.” So I want to invite you now, and challenge you, to commit to take the full journey with me through these pages. I promise you the rewards you will reap will last for decades to come.

So turn the page and let me first give you a quick overview of what it will take to have an income for life—a paycheck that gives you the life you have (or the lifestyle you desire) without ever having to work again. Once you achieve this, you will work only if and because you want to. Let’s grab an outline of the road ahead and discover the 7 Simple Steps to Financial Freedom.

1.�Except for a few “unicorns,” a tiny and exclusive group of “financial wizards” that the general population does not have access to, but I’ll introduce you to in the chapters ahead.

2.�Feedingamerica.org

Most helpful customer reviews

4044 of 4152 people found the following review helpful.
A lot of "filler" and unfortunately little new information
By Roman M
[Updated 9/20/15]

I realize that this is not going to be a popular review in a sea of readers who are either huge fans of Tony's work or people who are new to investing and I am in no way trying to discourage anyone from buying the book. I just hope that a few people will read this with an open mind in order to make an informed purchase.

I started following Tony's advice back in the early 90s, when I was a teenager, and am very familiar with all of his principles. A couple of weeks ago I saw a post on Facebook about him releasing a new book on finances so I bought it to see if it would be any better than his books and CDs (if you've read any of his books or listened to his CDs, you probably know that he provides very little concrete advice and invites you to attend his expensive "Wealth Mastery" seminar in order to learn more). As expected, the first few chapters of the book consist mainly of motivational material and a description of the issue (i.e. most Americans don't know how to make money in the stock market long-term). You can easily skip those without missing any critical information, unless you need motivation to invest. As I was listening to these chapters on Audible, I was starting to worry that the entire book would consist of nothing more than motivational material...
Then he finally starts going into some specifics. He starts out by saying that the secret to wealth is to add more value to other people's lives. Okay. Then he talks about deciding on a specific percentage of your income that you want to invest (he recommends saving and investing 10-20% of your income). He spends a lot of time talking about index funds (of which many books have been written before, such as books by John C. Bogle) and the exorbitant amount of fees charged by most mutual funds (nothing new there either. See Phil Town's "Payback Time", for example). He talks about dollar cost averaging, re-balancing your account at least once a year, don't invest in actively managed mutual funds, etc.
So far, all of this information is accurate, but if you have been investing in the market for a number of years or have read any articles on financial websites or blogs, I'm sorry to say that there is little new information here (I have listed a bunch of free resources at the bottom of this review for anyone interested). But at this part of the book, Tony starts referring to the reader as "an insider", which I find a bit comical.

In all honesty, if you are new to investing, this is one of many potential books where you can get more information. However, be aware of the following:

1. The book is very long. And sadly, it is not because it is so full of financial wisdom. Although there are some nuggets of useful information found throughout the book, unfortunately, most of the pages are filled with "filler" information. Tony goes on and on listing the names of the "insiders" that he spoke with to come up with advice for this book. The information is very repetitive. He also spends a significant amount of time going into non-financial information from his prior books and seminars (i.e. the six human needs, controlling your emotional states, etc and trying to tie the information to money). Unfortunately, all this filler information makes the book painfully slow to read and was totally unnecessary if you ask me. If you read a book like Benjamin Graham's classic, "The Intelligent Investor", you right away see the difference. It's all meat and no potatoes. Not the case with Tony's book, unfortunately.

2. Although he tells us not to try to time the market, he then proceeds to give us a list of examples of past predictions he made which turned out to be correct. However, he doesn't mention anything about his August 2010 prediction in which he said: "Right now is a time you might want to take some stocks off the table in the stock market. Especially if they are in manufacturing or retail or banking or god forbid homebuilding and housing . . . I would feel bad if I didn't warn you . . . One of the biggest bubbles in history is blowing up now." What happened after he made this prediction, you ask? The market ended up gaining 90%! (See the recent BloombergView article for more information. I will post the link for it in the comments section). In addition, his recommendation to take money out of the stock market directly contradicts information found in the book (which specifically recommends to "wait out" market lows and continue investing every month, also known as dollar cost averaging).

3. A lot of the "financial shortcuts" that he mentions have "catches" (as he finally reveals hundreds of pages into the book, although in the first few chapters -and on the book cover- he only talks about the positives of his methods, making them sound easy and full-proof). Definitely do your research before attempting anything other than the time-tested advice, such as investing in index funds. Even his "All Weather" portfolio might not prove to be as good as his historical numbers suggest (see the link in the comments section for more information).
In fact, as I keep on finding more and more reviews online by financial advisers and financial journalists, I see that many of them have noticed some of the same issues and contradictions that I discovered when reading the book. I'm going to post two more links to articles on the first comment for anyone who cares to read them.

4. The free "app" (which is not really an app since you can't download it as far as I can tell) is nice. It asks you for your current spending on different items (food, mortgage, transportation, etc) in order to calculate how much you will need in order to pay for these things through your investments. However, I am puzzled that it utilizes today's amounts and doesn't seem to take inflation into account. So it gives people the false impression that they will reach their goals much sooner than expected but that seems like a critical mistake to me. Let's suppose that you had achieved financial security back in 1984 (20 years ago) and back then you needed 4,500 dollars a month to pay for your basic needs. According to USinflationcalculator, today you would need 10,754 dollars in order to pay for the same items (a 139% cumulative rate of inflation). Ouch! In addition, as fellow reader "MJC" mentioned in the comments, the app does not take important recurring annual expenses such as property taxes into account, which can easily add up to thousands of dollars a year! I have spoken to multiple people in the financial industry over the years and the number one regret that they hear from their clients is that they did not save enough for retirement. So Tony's app worries me. You may want to sign up for the free app and run through your numbers before you buy the book to see if this feels right to you.

5. The book is very hyper and has too much excitement. As another reviewer, Prohobo, put it so well: "there is a lot of "excitement", "wow factor", "hype", "selling" and "fluff" in the book - leading up to the meat. So it does read very "self-helpy" for a lack of a better word." It has a bit of a feel of a "get rich quick" book, so be ready for that if you're going to buy it. Also, Tony anticipates and responds to any criticism of his book by dismissing anyone's critical opinion unless they themselves are rich. Yet, he himself did not make his initial wealth in the stock market. Rather, he made his millions in his twenties through his books, tapes/CDs, coaching, and seminars (remember "Wealth Mastery"?). According to Forbes, "'Unleash the Power Within,' nets him some $9 million annually", not counting his other seminars and products. He claims to teach the keys to wealth and business mastery, but other than selling personal development products and services, which he admittedly is very good at, his overall business track record is questionable to say the least. Does anyone remember what happened to his public company, DreamLife? Or what about his "more than twenty companies, a dozen of which he actively manages" (according to his description on Amazon)? How does one person actively manage that many companies?
Although Tony says that he will donate all of the proceeds for this book, it has stirred up a huge amount of publicity for Tony's brand, his products, and the companies which he is constantly promoting throughout the book. And there is a disclosure at the beginning of the book saying that "the author is in discussions with StrongHold Wealth Management to enter into some type of business partnership". In fact, I looked into this and I found an article from ThinkAdvisor which claims that Josh Jenkins-Robbins, Tony's son, works for Stronghold! The article states: "According to FINRA's BrokerCheck, [Josh Jenkins-Robbins] is registered with Stronghold Financial in San Diego. And his LinkedIn Profile links to three company websites: Stronghold Financial and two enterprises in which Tony Robbins enjoys joint ventures. In his book, the elder writes that Josh "has been in financial services his entire life."" Hmm...

6. As Cullen Roche wrote in a recent MarketWatch article, "Robbins stresses the importance of becoming an "insider" and steers the reader toward many of his own companies or companies he's partnered with" (see the link to the article in my 11/28/14 comment). In addition, "the book promotes a low-fee approach, yet it recommends working with companies [i.e. Lifetime Income and Stronghold Financial] that will outsource you to high-fee firms. This is a contradiction that is difficult to reconcile, and it seriously undermines the credibility of the text. [...] The book is filled with contradictory strategic investment commentary. Robbins stresses the importance of using passive index funds, but also explains the importance of asymmetric returns and active strategies. He interviews supposed "insiders" who have totally contradictory approaches (stock traders, activists and indexers), while putting many high-fee hedge fund managers on a pedestal. He even cites his own market-timing calls over the years as if that adds any value to the text without mentioning that he has made some horrible stock market calls [...]. You come away thinking that these high-fee active managers are geniuses, but then you're told at points that high-fee active managers are useless. Again, the commentary seemed to contradict itself consistently."
I highly recommend you read the full article so you know what you are getting yourself into if you're going to buy the book.

Having read dozens of financial books over the years, my "baloney detection kit" went off multiple times while reading this book. For example, I believe his advice pertaining to paying off your mortgage faster is inaccurate (someone with real estate expertise correct me if I'm wrong on this one). On page 251, "The Banker's Secret", Tony claims that if you have a 270,000 dollar home financed over 30 years at 6%, if you prepay 270 dollars a month, you will pay it off in 15 years, saving 50% of the total cost. I have a mortgage so this would be great news for me. However, I went to Bank Rate's website and ran those exact numbers and the result I got was that the mortgage would be payed off in 21 years (i.e. 9 years sooner, rather than the 15 years claimed by Tony) and that you would save 107,729 dollars, versus Tony's 50% which would you have been closer to 265K, since the total cost of the home would have been 582K at 6% over 30 years. In addition, on that same page he writes "To be clear, you're not paying extra money; you're simply prepaying next month's principal a touch sooner", even though I am paying 270 extra dollars every month... Hmm.

At the end of the day, it's an inexpensive book and a lot of the advice in it is good and it is nice to read the views of the some of today's great investors (although even that part spends too much time talking about the individuals and their achievements, it has little practical advice, and sounds very much like his old "Power Talk" series, which were fun to listen to but ended up having little impact on your life). Tony has a special gift for taking old information, even common wisdom at times, and "repackaging" it to make it sound earth-shattering. If this book makes you take action on information that you already know, then it's worth every penny. If you are new to investing, you will get a lot of good information (although I strongly recommend you read a few more books/blogs/websites to get different perspectives). That is, if you can make it through the entire book. However, if you know more than 90% of the general population (which isn't hard to do, given the financial ignorance of the average person), then you can safely skip this book. At the end of the day, the book ends up over-promising and under-delivering if you ask me.

12/2/14 Update:
So many of you have been asking me for a list of key points from the book so here goes :)

1. Understand the power of compound interest and save/invest 10-20% of your income.
2. You can't beat the market.
3. Fees kill your returns. Look at America's Best 401(k) or Feex to see how your 401(k) fares.
4. Hire an independent fiduciary adviser.
5. Use a Roth IRA or Roth 401(k) and pay taxes now as much as possible, since they are likely to rise in the future.
6. Forget Target Date or actively managed mutual funds. Use index funds instead.
7. Know how much you need in order to retire (use the free app to find some rough numbers. Make sure to take inflation into account since the app doesn't do that)
8. Come up with a solid asset allocation: a secure bucket (bonds, CDs, cash, etc) and a growth bucket (stocks, real estate, commodities, etc). Re-balance regularly. Take the Rutgers University risk tolerance quiz to find out how much risk you can stomach.
9. It then talks about annuities and that part will confuse a lot of people in my opinion. All I'm going to say here is that although certain annuities could potentially limit your losses, they could also limit your gains. I personally wouldn't invest any of my money in most annuities.

So where do you go from here? Since so many of you have been asking for a list of recommendations, here are a few in no particular order:

1. The Intelligent Investor. This is an outstanding book but it is not for everyone. If you are new to investing or if you are not willing to spend a lot of time researching stocks, I wouldn't recommend this book. The good news is that you don't need to buy individual stocks in order to make money in the market. But if you're the type of person who has time and wants to learn how to pick individual stocks, then this is one of the top books that I would recommend.
2. Inveduco. This blog contains a review of Tony's book, in addition to information about index funds, 401(k)'s, and other financial topics which would be excellent for beginners. There's also a post that talks about the problems with most financial "self-help" books, which everyone should read.
3. Suze Orman. I somewhat hesitate to list her as a recommended resource. A lot of her information is solid, the problem I have with her books is that they focus too much on people's emotions instead of focusing on the mechanics of investing.
4. Clark Howard. This is a great site for ideas on how to save money, as well as how to avoid scams. His radio program is excellent.
5. The Motley Fools. They are very good, although some beginners might get overwhelmed by the amount of information on their website, radio program, etc. Overall, this site offers a wealth of information. The one thing I don't like about them that they are always trying to sell you something (investment newsletters, etc).

There are, of course, tons of other resources, books, and blogs but this should get you started.

P.S. Did anyone notice that there is no bibliography? On page 639, Tony gives you his main website to go access the bibliography (it's online "in order to be efficient on additional space", he says) but I was unable to find it anywhere. Did anyone else find it?

268 of 278 people found the following review helpful.
Beware of conflicts of interest!
By Belgar
I have a lot of respect for Tony's achievements as peak performance coach as well as his engagements as philanthropist. Also, I applaud his effort to share his insights on pitfalls (hidden fees, flawed brokerage model, etc.) with the masses. As an industry insider I have to say that quite a few statements were inaccurate or even misleading. I'm sure Tony simplified with good intentions for making a difficult subject more understandable. The oversimplifications and omissions however can lead to unintended risk exposures and losses. Why only two stars? His constant plug for one investment firm (there are 47 mentions of that firm's name) put me off. At least he disclosed that he was discussing his role with that firm at the time of writing the book but when I found in FINRA's broker check that his son works for that firm, he lost my trust as "fiduciary" and credible author on that subject completely.

2 of 2 people found the following review helpful.
Easily the most beneficial, most informative & eye-opening book I have read, on any subject!
By Ben Killen
This is easily the greatest, most beneficial, most informative and eye-opening book I have ever read, on any subject! This being Tony Robbins' first book in two decades, he's hit an absolute grand-slam in my opinion. What a success! In my mind, this is now the definitive tome to lay-bare a subject so complex, yet so vital. This book IS financial education for the common man. This book is packed to-the-gills with things no one tells you. And nobody has ever spelled-out every detail as thoroughly as Tony does in this book ever, but particularly in the post-2008 financial world, and trust me, I have read many many titles on the subject. I am proud to say that my father introduced me to Dave Ramsey at a very young age, and thus began my financial education. Obviously, it is a long road, but despite the disagreements I know have with some parts of his strategy, I can say with certainty that he set me about on the right path.

In my thinking, the core element in this book is not only a very-broad understanding of the modern financial & investment landscape, as well as the pit-falls and traps to avoid that so many others fall prey to, if simply in an effort to 'delegate' responsibility for securing their financial future so someone else. Too often, the person chosen for this most-critical of tasks in life is handed-over to a less-than-fully-trustworthy 'financial advisor' or 'planner' (which as this book teaches, are simply a few of the many terms used to describe financial practitioners who are bound only by the "suitability standard" by the government. This most prevalent type of financial-advisors-to-avoid are also called: broker-dealers.

For those that don't know, this standard of "suitability" is a horribly low-standard, and in-a-nutshell says only that these people recommend investments to you that are "suitable." This means they are well-within-their-rights and, in fact, are in fact most likely to only recommend to you investments that they themselves make the highest commissions from. These are all-too-often high-fee and 'hidden-fee' proprietary Mutual Funds which are generally owned by the company these individuals work for (and, not surprisingly, it would take the average a fair amount of research to uncover that fact, as these funds are often named in ways that do not reflect, much less suggest the name of the companies that actually operate them).

The best type of Financial Advisor, which is the kind you want is an Independent Registered Investment Advisor! In my mind, this is one of the most valuable facts IN THIS BOOK! Because it is one of the most misunderstood aspects of the industry. But the difference is that an Independent RIA is required to provide financial advice to you that is BEST FOR YOU! This is a HUGE distinction!!! They cannot provide recommendations to you simply because they will receive a higher commission—as under the "suitability standard." They are REQUIRED to only give you advice that is BEST. FOR. YOU!

It is important to mention that your RIA absolutely needs to be Independent, because a gigantic loophole many so-called RIA's exploit is called dual-registration. This is where an individual is actually registered as BOTH a Broker-Dealer and a Registered Investment Advisor… and this is a perfect example of the different types of technicalities and exceptions (AKA loopholes) that those in-the-know in the financial word exploit every day to 'get-one-over' on the common man, and basically take their money. In a nutshell, what dual-registration means is that a financial advisor can, at any time, with-or-without notifying you, importantly, "change-hats" so-to-speak and start giving you advice as a RIA, or a Broker. The choice is completely theirs. So… and this is the key takeaway: dually-registered RIA's are NOT bound by the Fiduciary standard. They can at any time of their choosing provide to you advice only as a Broker, which places that advice only under the Suitability standard.

I know that all sounds confusing, but if you're following what I'm saying, you can see that really sucks for people who don't understand the distinction, and I HATE that kind of stuff. And, sadly, this type of thing runs rampant throughout the financial industry. But the best way to defend oneself against this type of exploitation is to educate yourself about the intricacies of the industry, and thus gain 'immunity' from the tricks and deceit so many in the field would try to sell you.

At any rate, suffice it to say that I give this book my UTMOST RECOMMENDATION. In fact, I think purchasing it is in-itself a MAGNIFICENT INVESTMENT because (as you'll read in the book) Tony Robbins is donating every ounce of the proceeds to charity to feed the hungry among us and furthermore, as Benjamin Franklin once said: "An investment in knowledge pays the best interest."

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For courses in Criminology
This text is part of the Justice Series

�

Brief. Affordable. Visual.
Criminology, Third Edition provides an affordable, thought-provoking look at criminology that uses clear writing and eye-catching visuals to get your students straight to the important concepts. By focusing on these core concepts, students will gain true understanding of the material, without becoming overwhelmed with unnecessary information. With an approach that focuses on social problems versus social responsibility, students will learn to think critically about the causes of crime and see the link between crime theories and crime policies. The book's conversation-starting pedagogy encourages active participation in learning, moving students beyond memorization by engaging them in the latest research findings and current events shaping the field.

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• Sales Rank: #23805 in Books
• Published on: 2015-01-03
• Original language: English
• Number of items: 1
• Dimensions: 10.70" h x .70" w x 8.30" l, 1.44 pounds
• Binding: Paperback
• 360 pages

About the Author

Frank Schmalleger, Ph.D., is Distinguished Professor Emeritus at the University of North Carolina at Pembroke, where he taught criminal justice courses for 20 years and chaired the university’s Department of Sociology, Social Work, and Criminal Justice for 16 of those years. In 1991 the university awarded him the title of Distinguished Professor, and the university named him Professor Emeritus in 2001.

Dr. Schmalleger holds degrees from the University of Notre Dame and Ohio State University, having earned both a master’s (1970) and a doctorate in sociology (1974) with a special emphasis in criminology from Ohio State University.

As an adjunct professor with Webster University in St. Louis, Missouri, Schmalleger helped develop the university’s graduate program in security administration and loss prevention. He taught courses in that curriculum for more than a decade. Schmalleger also taught in the online graduate program of the New School for Social Research, helping to build the world’s first electronic classrooms in support of distance learning through computer telecommunications. An avid Web user, Schmalleger is the creator of a number of award-winning websites, including one that supports this textbook.

Frank Schmalleger is the author of numerous articles and many books, including the widely used Criminal Justice Today (Pearson, 2015), Criminology Today (Pearson, 2015); Criminal Law Today (Pearson, 2014), and The Definitive Guide to Criminal Justice and Criminology on the World Wide Web (Pearson, 2009).

Schmalleger is also founding editor of the journal Criminal Justice Studies. He �has served as editor for the Pearson series Criminal Justice in the Twenty-First Century and as imprint adviser for Greenwood Publishing Group’s criminal justice reference series.

Schmalleger’s philosophy of both teaching and writing can be summed up in these words: “In order to communicate knowledge, we must first catch, then hold, a person’s interest–be it student, colleague, or policymaker. Our writing, our speaking, and our teaching must be relevant to the problems facing people today, and they must in some way help solve those problems.”

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2 of 2 people found the following review helpful.
Schmalleger's 3rd Edition is the best yet--easy to read and expanded coverage.
By It's Me, Sven!
There are many criminology textbooks on the market, but CRIMINOLOGY by Frank J. Schmalleger (Pearson, Inc.) is probably the best I have encountered, particularly when coupled with Pearson's MyCJLab supplement. I use this textbook in a course that I teach. While I regularly receive free desk copies of other Criminology textbooks, I have not been tempted to switch from Schmalleger's text since I began using it with the first edition. The current 3rd edition is an improvement on those two.

-READABILITY: The book is straightforward and easy to follow. While I would not say that it is written like a magazine (as is a competitor's book), it is still written in such a way that the reluctant student reader can easily follow. Definitions are in bold, headings and subheadings are excellent, and the book does not get bogged down in pointless details. Where relevant, Schmalleger mentions both classic and contemporary studies related to the topic, but puts these in context and chooses these studies judiciously. As criminology is such a vast field, it is clear that Schmalleger made great effort to write a succinct text.

-UPDATED FROM 2ND EDITION: The textbook recently went through a revision, and most of the changes are just updating statistics and adding some new studies. However, there was one major update that impressed me most. With modern science, we are able to more fully understand (potential) biological contributors to criminal behavior. This includes modern studies in genetics and neuroscience. Schmalleger expanded this textbook's biology chapter in the previous edition to two chapters on biological contributions in this one. The approach is excellent, as it acknowledges new scientific findings in the field rather than include them as an update afterthought.

-STUDENT FEEDBACK: Sometimes getting a student to read in a class is a difficult endeavor, but many of my students report that reading this book is not a challenge. They find it easy to follow but also like that the chapters are relatively brief compared to other texts. Students who use the eText often show me the highlights and notes they made, but the physical version of the text is light and easy to carry around.

-AUTHOR: Frank Schmalleger has written multiple books in the field spanning many years, so he has textbook writing down to a science. He is also responsive to feedback and makes changes accordingly. He is respected in the field and should continue churning out excellent texts.

Overall, in terms of criminology textbooks, Schmalleger's CRIMINOLOGY (3rd EDITION) is one that I would strongly recommend to any instructor seeking a book. I would also, however, recommend it to anyone with a general interest in criminology. It is an affordable (by textbook standards) introduction to such an important field.

0 of 0 people found the following review helpful.
My daughter needed this book for school and this was the best pricing I
By Amazon Customer
Received quickly an exactly as described. My daughter needed this book for school and this was the best pricing I found

1 of 1 people found the following review helpful.
Better than school book store price
By Colleen M.
Better than school book store price.

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[R114.Ebook] Download Ebook Henri's Scissors, by Jeanette Winter

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Step into the colorful world of Henri Matisse and his magnificent paper cutouts!

In a small weaving town in France, a young boy named Henri-Emile Matisse drew pictures everywhere, and when he grew up, he moved to Paris and became a famous artist who created paintings that were adored around the world. But late in life a serious illness confined him to a wheelchair, and amazingly, it was from there that he created among his most beloved works—enormous and breathtaking paper cutouts.

Based on the life of Henri Matisse, this moving and inspirational picture book biography includes a note from the author, dynamic quotes from Matisse himself, and an illuminating look at a little-known part of a great artist’s creative process.

• Sales Rank: #13865 in Books
• Brand: Brand: Beach Lane Books
• Published on: 2013-08-27
• Released on: 2013-08-27
• Original language: English
• Number of items: 1
• Dimensions: 9.00" h x .50" w x 9.00" l, .87 pounds
• Binding: Hardcover
• 40 pages

Features

• Used Book in Good Condition

From School Library Journal
K-Gr 3-At age 72, following surgery for cancer, Henri Matisse was too weak to paint. During his convalescence at the seaside, he picked up scissors and began cutting shapes from painted paper. In his own words, "It seems to me that I am in a second life." Winter's picture-book biography focuses on that second life, neatly summarizing his childhood and career in the first eight pages: "He kept on painting, forgot about law, and left his small town to be an artist in Paris." Winter captures the joy that Matisse found in cut paper, both through her acrylic and cut-paper illustrations and through quotes from his letters. The images are evocative of his art, with bright colors and rounded shapes. The first pages, depicting his youth and adulthood, are deeply framed like museum art, then transition to full-page compositions when his life changes due to illness. The author addresses his death with a light touch: "Then one night, Matisse walked into his paper garden, and the rainbow of shapes cradled the old artist and carried him into the heavens," where perhaps he now uses his scissors to make the stars in the night sky. Libraries with demand for picture-book biographies and art history will want to add this well-done title to their collections.-Suzanne Myers Harold, Multnomah County Library System, Portland, ORα(c) Copyright 2013. Library Journals LLC, a wholly owned subsidiary of Media Source, Inc. No redistribution permitted.

Review
* “Masterful picture-book biographer Winter (The Watcher, 2011) offers an elegant, accessible portrait of expressive artist Henri Matisse…. As an old man, Matisse becomes ill, and the book turns a stylistic corner, spending the balance of its pages exploring the changes in his circumstances and the subsequent development of his medium and his genius. Unable to paint, he begins cutting shapes from paper and dives into the process, allowing his shapes to grow with his imagination. And the book adapts in turn, the imagery now sprawling across pages, filling the space with rich color in exuberant compositions…. With a gentle narrative dotted with quotes from the artist himself, luminous illustrations, and a warm, celebratory spirit, this exemplary picture-book biography delivers a clear, sensitive portrait of the whole man, story and soul alike.” (Booklist, June 1, 2013, *STARRED REVIEW)

* "Simple, folk-style paintings show Matisse in a wheelchair in a studio amid his collages; in a quiet visual cue, a plant with oversize leaves suggests inspiration for their big, organic shapes. He continues to create until his death, another moment Winter handles gracefully…. Old age can be fertile and useful, Winter implies; disability doesn’t mean the end of creating, and triumph is possible where only sadness could have been foreseen. All of these messages lie obliquely in the text, but even readers who don’t dig that deep will share Matisse’s joy." (Publishers Weekly, May 27, 2013, *STARRED REVIEW)

“Winter captures the joy that Matisse found in cut paper, both through her acrylic and cut-paper illustrations and through quotes from his letters. The images are evocative of his art, with bright colors and rounded shapes…. The author addresses his death with a light touch…. Libraries with demand for picture-book biographies and art history will want to add this well-done title to their collections.” (School Library Journal, June 1, 2013)

"In her latest picture book biography...Winter focuses on Henri Matisse’s later life, during which the painter took up collage.... With text that is straightforward and unflowery, Winter relies, successfully, on the strength of her own art to capture the essence of Matisse’s. A brief author’s note explains her specific interest in this portion of the artist’s oeuvre." (Horn Book Magazine, September-October 2013)

"In her extensive picture-book–biography oeuvre, Winter has proven to be particularly attuned to selecting the just-right elements of her subjects’ complex lives while making them both accessible to and readily understood by young children.... Winter both describes and employs Matisse’s signature, late-career technique of brilliantly colored, hand-painted, cut-paper compositions. She enlivens the simple text with liberal yet judicious quotes from Matisse’s letters and comments from contemporaries. This is a beautifully designed book that will certainly connect with readers...the book is a charming introduction to a widely reproduced, child-friendly artist, one that children will assuredly encounter and affirmingly embrace." (Kirkus Reviews, June 2013)

“In ‘Henri’s Scissors,’ Jeanette Winter rushes through the story of Henri Matisse’s childhood, but no worries: it’s his second (far more interesting) childhood that fascinates her. After becoming one of the greatest artists of the 20th century, whose only peer, it could be argued, was the aggressively prolific Picasso, Matisse has grown old. Now infirm and confined to bed, he reflects on his past triumphs in a room colored in the deepest blues and purples. But inspiration strikes, and using a pair of common household scissors as his magic wand, Matisse cuts shapes out of brightly colored paper and transforms his sick-room into a mystical garden full of flowers and birds. Then, in the final and greatest feat of his career as artist-sorcerer, ‘the rainbow of shapes cradled the old artist and carried him into the heavens.’” (Dan Yaccarino The New York Times Book Review, August 25 2013)

"The accessibility of cut paper makes it a particularly child-appealing medium, and Matisse is certainly the grand master of the art, so audiences will be pleased to see the championing of this oeuvre...the art is strong and vigorous, with a hat-tip to Matisse himself in the form of the open window (a famous Matisse subject) that allows the old man to view the sea; the playfulness and imaginative employment of actual Matisse collage shapes effectively convey the way art and life vision can blend together." (The Bulletin of the Center for Children’s Books, October 2013)

"The young reader gets a taste of Matisse’s art and a flavor of his creativity in the late period of his life.... Share this picture book biography with the art teacher. Incorporate the title in a story hour about imagination, color, or the beginnings of modern art." (Library Media Connection, January/February 2014)

About the Author
Jeanette Winter is a renowned picture book creator whose acclaimed works include Nanuk the Ice Bear; Malala, A Brave Girl from Pakistan/Iqbal, A Brave Boy from Pakistan: Two Stories of Bravery; Henri’s Scissors; Biblioburro: A True Story from Colombia; The Librarian of Basra: A True Story from Iraq; and Nasreen’s Secret School: A True Story from Afghanistan.

Jeanette Winter is a renowned picture book creator whose acclaimed works include Nanuk the Ice Bear; Malala, A Brave Girl from Pakistan/Iqbal, A Brave Boy from Pakistan: Two Stories of Bravery; Henri’s Scissors; Biblioburro: A True Story from Colombia; The Librarian of Basra: A True Story from Iraq; and Nasreen’s Secret School: A True Story from Afghanistan.

Most helpful customer reviews

7 of 7 people found the following review helpful.
Great for classroom use
By Bozbun
Some children's books about artists are too flowery. They do not succinctly convey a message about an artist's working style in a way that is appropriate for kids. This book however, is awesome. I think my first graders will love it, and I have some good ideas of how to weave it into art lessons.

6 of 6 people found the following review helpful.
Finding Matisse
By Catherine W. Hughes
With simple texts and lovely illustrations, Jeanette Winter brings the art and life of Henri Matisse to the page. From paintings to cut paper, children, ages 4-7, will learn about this celebrated artist and his work.

5 of 5 people found the following review helpful.
great intro to Matisse
By tortoise
We read this to our 4 year old daughter in preparation for a Matisse cut outs exhibit. Perfect way to spark her interest!

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