Tony Randhawa

Forever Broke Tony Randhawa

"A must read for anyone looking to set themselves up for a prosperous financial future"


"This should be mandatory reading for millennials everywhere"




Do you want to work until you die?


That's the reality many will face, because for decades our education system has been churning out herds of financially illiterate graduates, many who will never be able to entertain the thought of retirement.


You need to become a millionaire. Becoming one will require discipline and a greater than average understanding of money. The curriculum simply doesn't cover some of the most basic and relevant information a person needs to build and maintain a decent life in today's world. It's almost as if it's expected that people somehow magically acquire the knowledge needed to understand and plan their financial matters both present and future.


This book was written primarily for high school students, university students, and recent graduates. However, mature adults alike will surely find value in this book. For each person reading this, this is a call to action. For all of you young people out there, take responsibility for your life and make learning about money and finance a mission of yours. If you don't, you'll likely be forever broke.





Finance made easy


Written with the reader in mind, this book is an introduction for those wanting to learn the essentials of personal finance and investing. Don't think that because it's a finance book it will be packed with lengthy essays on financial theory. In fact, this book is quite the opposite. It was written for anyone with any background. It simplifies the intimidating and complex world of finance, and shows you how you can take control of your money. Reading this book is an investment in YOU.




What you'll learn about:

The Time Value of MoneyInterest RatesAnnuitiesCredit cards, debit cards, credit ratings, lines of creditMortgagesThe Home Buying ProcessRent vs. BuyCarsTypes of Business OrganizationsStocks & BondsInvestingInflationPersonal FinanceMutual Funds, Index Funds, & ETFsSelf-Directed InvestingBank Accounts & GICsRRSPs & TFSAsFinancial PlanningRetirement Planning in CanadaSaving & Budgeting

Spend less than you earn, pay down high-interest debt, and most importantly - start investing early!