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The Rules of Money: How to Make it and How to Hold on to it [Paperback]

Richard Templar
4.5 out of 5 stars  See all reviews (2 customer reviews)

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Book Description

12 Jan 2012

Money: some people just seem to know how to get it -- and keep it! What's their secret? What do they know that the rest of us don’t? They know the "rules of money": the "golden behaviors" that create wealth and make it grow. Anyone can learn the rules of money. You could learn them by spending years watching rich people up close... or you can learn them all right now, with Richard Templar’s The Rules of Money, Expanded Edition. Templar -- author of The Rules of Life and many other best-sellers -- has brought together 107 easy wealth-generation techniques you can start using instantly! Now updated and expanded with 9 brand new rules, Templar's rules address everything you need to know about money: how to think wealthy, get wealthy, get even wealthier, stay wealthy, and share your wealth. You'll find great up-to-the-minute advice on saving, spending, and investing, and enjoying your money, too. You'll discover why your money beliefs might be holding you back; how to see wealth as a friend, not the enemy; how to make money without compromising your ethics; avoid envy; make a plan; get your current finances under control; master deal-making and negotiation; discover opportunities nobody else sees, and much more. Templar's bite-size advice isn't just fun to read -- it's easy to use, too!

Frequently Bought Together

The Rules of Money: How to Make it and How to Hold on to it + The Rules of Work + The Rules of Wealth: A Personal Code for Prosperity and Plenty
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Product details

  • Paperback: 240 pages
  • Publisher: Financial Times/ Prentice Hall; 1 edition (12 Jan 2012)
  • Language: English
  • ISBN-10: 013290781X
  • ISBN-13: 978-0132907811
  • Product Dimensions: 21.5 x 13.8 x 1.2 cm
  • Average Customer Review: 4.5 out of 5 stars  See all reviews (2 customer reviews)
  • Amazon Bestsellers Rank: 881,621 in Books (See Top 100 in Books)
  • See Complete Table of Contents

Product Description

From the Back Cover


107 bite-size, easy-to-use rules for making money, keeping it, investing it, and enjoying it from


Money: Some people just seem to know how to get it--and keep it!
What’s their secret? What do they know that the rest of us don’t?
They know the “golden behaviors” that create wealth and make it grow.
You need to know what they know:


Here they are, including
7 brand-new rules to take you further, faster.

You’ll find great up-to-the-minute advice on saving, spending, investing, and enjoying your money, too. You’ll discover why your money beliefs might be holding you to see wealth as a friend, not the to make money without compromising your ethics...avoid envy...make a plan...get your current finances under control...master deal-making and opportunities nobody else sees...and much more.


Learn ’em. Live ’em. Reap the rewards. One step at a time.
Every day. Starting today.

About the Author

Richard Templar (Devon, UK) is an astute observer of human behavior who understands what makes the difference between those who effortlessly glide toward success and those who struggle against the tide. He has distilled these observations into his Rules titles, read by more than one million people around the world. His global best-sellers include The Rules of Life, The Rules of Wealth, and The Rules of Work. His books also include I Don't Want Any More Cheese: I Just Want Out of the Trap.

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Most Helpful Customer Reviews
3 of 3 people found the following review helpful
4.0 out of 5 stars Short and to the point... 16 Feb 2012
Format:Kindle Edition
Of course, some of this is just a re-hash of the 'I know that'...but that doesn't mean to say that it's not worth repeating, especially if you haven't actually applied it! A nice combination of practical ideas as well as more 'mental' stuff. I got this when it was free so I certainly can't complain, although I'm not sure that, on Kindle at least, it justifies its current price tag.
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5.0 out of 5 stars Excellent 18 Mar 2013
By Ed
Format:Kindle Edition|Verified Purchase
Another classic from the Templar. Easy to read in small chunks thatnks to the short chapters. Some good information and advice here although you shoudl take some of it with a pinch of salt. Some basics covered and I woudl have liked a bit more detail in some areas but that is just my personal preference. Got this for free but I would buy it.
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Most Helpful Customer Reviews on (beta) 3.5 out of 5 stars  40 reviews
44 of 47 people found the following review helpful
1.0 out of 5 stars Generic, presumptive, offensive and lacking actionable advice all at the same time 4 Mar 2012
By Amber M. Anderson - Published on
Format:Paperback|Vine Customer Review of Free Product (What's this?)
Honestly, I found this to be just awful. Allow me to explain:

1) Generic: Most of the advice is horribly generic. "Spend less than you make", "Pay off debts", "Work hard" Yeah...thanks. Even the more specific "own, don't rent", "don't borrow money from friends", "don't rely on luck," "dress well/act wealthy" seem more like platitudes and not anything terribly new.

2) Over simplified: Again, most of it feels like platitudes. The advice is general with very little actual assistance in acting or implementing it. There is almost no explanation of how actual financial things work (interest rates, mutual funds, bonds, loan products, whatever, this book won't explain it). The tasks it does set are big "figure out what you want wealth for", "figure out how to define wealth/what is enough", "create an action plan to get out of debt if you are in it" and just leaves you to flounder for the answer.

3) Conflicting: The author says that you should read the financial sections of the paper and educate yourself thoroughly on money matters. Then in rule 27 he brings up the term "risk premium" but promptly says "forget that bit if you don't like jargon." The financial world is full of jargon...should I educate myself or not? Then he says he's not going to recommend specific texts to read...find your own. Yet in Rule 10 a footnote says "Go and read The Financial Times Guide to Investing by Glen Arnold." The list goes on...

4) Presumptive: The author makes some repeated claims that annoy me. He claims you should buy property and not rent and always couches his advice with the assumption that you have a house (and likely a mortgage). This fails to admit that property values can go down and that renting can save money which could be invested (which is interesting since one rule is that investments in stocks always beat property), PARTICULARLY if you don't live in a home long enough to pay it off. Further I love how he always assumes you get a pension (but fails to mention 401k's) which to me says he has no real feel for the reality of most modern workers. There is a simple little worksheet in rule 20 for assessing your current situation that assumes both. The calculation of inflow and outflow is also hilarious. (3 lines: salary - (fixed + variable expenses)). If anyone tried to use only this, I suspect they'd fail. Most people suck at estimating expenses (particularly things that aren't regular like annual tax bills, etc) and there's no guidance here how to do so.

5) Dangerous: One rule is about insurance (#23) - he states "most people don't get back more than 2/3 of the money they pay in insurance." Although he does caveat this with the comment that it's okay to have insurance if you can't afford "when the worst happens." First of all, this is an over simplification as it speaks in averages. Insurance is indeed a form of gambling in my mind, but it reduces risk of a low potential but high impact expense in favor of a definite but fixed expense. The author assumes that the money you don't pay on insurance will be available to pay for the worst later if need be - not everyone is that disciplined. And being self-insured really does put the vast majority of us one emergency away from bankruptcy. He doesn't say to give up this type of insurance, but the advice is so vague I could see where it could be be misused.

6) Offensive: There's a ton of language that says quite plainly "poor people deserve to be poor" and "people who don't have wealth are just too lazy to get it." To me that's terribly offensive. The book takes no account of circumstances whatsoever and places a lot of blame. Rule #1: "Anybody Can Be Wealthy - You Just Need to Apply Yourself" If you took this book at face value, you'd pretty much have to develop a contempt of anyone who wanted wealth but didn't achieve it and the attitude that anyone with less than satisfactory circumstances is pretty much entirely to blame. (Again, humorous since the last section of the book is on sharing wealth).

7) Fails to deal with varying circumstances: only one or two sentences in the entire book recognize that some wealth comes about as inheritance or the like. But the book otherwise assumes that we all start at on an equal playing field and either succeed or fail from there. That's hardly true...a kid who goes to a good school, is not abused or disabled, has access to mentors and a well connected network socially, has parents who pay for his college, share their own business acumen, set him up in a successful professional role, etc has a far better start than one who is raised in poverty, in poor schools with poor role models and lots of discouragement with no assistance from anyone. The book never or very rarely acknowledges the effect of disability, discrimination, initial wealth and circumstance, background, etc. If you do make it, you earned it. If you don't, it's all your fault. Personally, I have to admit that we each make choices and can work to improve our circumstances, but pretending that we all have equal opportunity and control over this and would all end in the same spot if we worked just as hard and thought just as smart is ludicrous.

I got nothing from this book. The "useful" advice to me was generic and obvious. The rest was offensive and frankly poorly written. The author talks in a very conversational but patronizing way, jumps around, etc. The "rules" formula is disjointed. Each is more like a little essay but the rules often ramble, feel disjointed from one another, repeat, and sometimes conflict. There is no real flow.

This book will not teach you an understanding of finances or investing. There is very little explanation of actual investment or debt repaying methods or handling of financial affairs (how to buy and sell things like houses, save for retirement, etc). Very little is actionable.

It annoys me to think that the author could be making money from selling this.

Update: the author is from the UK...this may be why 401ks are not mentioned. However, for those of us in the US work force right now this book is still that much further removed from relevancy.
28 of 32 people found the following review helpful
2.0 out of 5 stars Basic concept good; unintentional humor 1 Feb 2012
By Epilady - Published on
Format:Kindle Edition
The product description says there are "107 bite-size, easy-to-use rules for making money". "Bite size" is correct; almost no "chapter" is more than 2 pages. It's written in a very chatty style, as though someone were giving a talk. However, the author makes very judicious use of footnotes to voice his opinions; as an example, in discussing discovering beliefs about money, Templar mentions "can't have money and be "spiritually pure."** ** Whatever that means."

The author also contradicts himself about the ease of these steps when he says "[w]e have to live and breathe and sleep (yes, bearing in mind Rule 13) money. We have to study hard at the University of Wealth if we want to graduate...MAY HAVE TO CHOOSE--MONEY OR FRIVOLITY?" For most Americans, adding wealth is about choosing which frivolities we're willing to forgo in order to add to the nest egg.

The author comments on how someone should handle having money "We've all seen those who come into money too suddenly and flaunt the fact that they have loads, and we all think "God, how tacky." I know we shouldn't sit in judgment on others but I do find my toes curl, I can't say in case you've got one." There are random comments like this that are not very helpful.

And then, oddly, at the very end of the book, "However, if you intend to gain prosperity, you should get on with it, believe in it, follow it, give 100 percent to it, and not listen to others. Including me. Especially me. Good luck." which left this reader with a W.T.F open mouth. Seriously, you just wrote a book about how to accumulate wealth and then negate it with "but don't listen to me"?????????????!!!

Rich Man, Poor Man is a much more concise version of the concepts in this book, and Dave Ramsey's plans are much easier to follow. If you have never looked at considering how to build wealth and like listening to the ramblings of your crazy Uncle Richard, it might be worth a read. However, there are much better strategy guides out there.
4 of 4 people found the following review helpful
2.0 out of 5 stars just another self-help money book 5 Sep 2012
By Jason Kirkfield - Published on
Format:Paperback|Vine Customer Review of Free Product (What's this?)
This self-help book, which may or may not be a retitling of The Rules of Wealth, and which may or may not be written by an author whose pen name was Richard Templar, who may or may not be deceased, is too long, somewhat hokey, but ultimately benign.

Unlike dangerous texts like Rich Dad, Poor Dad or FT Press' own tripeful George Lindsay and the Art of Technical Analysis, which lure desperate readers into a quagmire of questionable financial advice, The Rules of Money offers generally beneficial advice packaged into digestible two-page chapters. Less enjoyable than the parables of the classic The Richest Man in Babylon and far less insightful than the quasi-psychological The Millionaire Mind, The Rules of Money nonetheless offers some useful financial advice that probably should be obvious to most people but sadly is not.

Suffering the same fate as the encyclopedic Crimes of Persuasion and the sycophantic 101 Reasons to Own the World's Greatest Investment, The Rules of Money is too long. A hundred and seven rules is about a hundred too many, in my opinion, especially with recaps on every other page. And while it is certainly not a get-rich-quick guide, the book falls prey to cliches--including, for example, "If it waddles like a duck and quacks like a duck"; "This is the point where we sort the wheat from the chaff"; "will stand you in good stead" (twice); "putting all your eggs in one basket"; "take your eye off the ball" (twice)--instead of offering concrete examples. Rule 73 was particularly egregious: "[The wealthy] keep their nose to the grindstone, shoulder to the wheel, ear to the ground, back to the wall, finger on the pulse, iron in the fire, fire in their belly, and hand on the tiller. Wow!" Wow, indeed. Whoever "Templar" is, he must have been a Glengarry Glen Ross fan. Witness Rule 29: "Look, we came into this book together to make money--some for you and some for me." Compare to GGR: "Now, I'm here to do good for you and me--the both of us."

Complaints about cliches and typos notwithstanding--this was not an Advance Reader Copy, and thus the several typesetting errors are unprofessional, even if they do not affect readability--The Rules of Money offers a framework for developing the right attitude toward money. Even on that point, however, it falls shy of the volume of practical advice available for free from The Motley Fool. (HINT: If you really want to have fun with money, check out Are You Normal about Money?))
2 of 2 people found the following review helpful
2.0 out of 5 stars Don't Bother 26 Sep 2012
By Ex-Californian - Published on
Format:Kindle Edition
This is an OLD compendium, repackaged and recopywrited as 2012. As other reviewers noted, mostly empty platitudes, none of which take into account the global economic disaster of life post 2008. Several of the "Rules" are clearly outdated advice that no longer applies. "Buy, don't rent real estate," and what sections of the newspaper to read first. Who even GETS a newspaper anymore??

Everything about this book suggested a guy at an electric typewriter wearing a moth-eaten cardigan sweater, getting up to answer his dial telephone mounted on the kitchen wall. If you relate to that mental image, maybe you'll enjoy this. Though I doubt it, since he also liberally sprinkles insults to his own readers through various sections, making snide comments about how much he's making off selling this how-to book to ignorant rubes, along with frequent reminders about how many wealthy, talented, brilliant people he knows.

They didn't get that way from reading his book.
3 of 4 people found the following review helpful
4.0 out of 5 stars Good basic rules of money, especially for those who are younger and right out of school 19 Mar 2012
By Alain B. Burrese - Published on
Format:Paperback|Vine Customer Review of Free Product (What's this?)
"The Rules of Money Expanded Edition: How to Make It and How to Hold on to It" by Richard Templar is another of his books that has been re-released as an expanded edition in this series. It was originally entitled "The Rules of Wealth." I really liked some of the earlier new editions, such as "The Rules of Work" and "The Rules of Life." However, I couldn't get into this book quite as much as I did with those. Maybe because when it comes to money, the "rules" seemed a bit forced at times, and even a little repetitive.

It's not that these are not good rules to follow. They are. While simple, following them will help people make more and save more. But the thing is they are simple, and it takes more than just these to make and keep wealth. But that does not mean don't read this book. This is especially true if you fall into the younger generation and have not been exposed to much financial education or advice. Therefore, I would strongly suggest this book to someone right out of high school or college, but not so much someone older who is looking for a more business/financial/investment kind of book. With that said, there are many people who have been out of school for a long time that have never learned the simple rules this book contains, and it could benefit them too.

The book contains 107 short rules. None take over 2 pages. They are divided into five main parts. The first part, Thinking Wealthy, contains 19 rules that focus on topics such as: Anybody Can Be Wealthy - You Just Need to Apply Yourself, Decide What You Want Money For, Know How The Wealthy Think, and Don't Envy What Others Have. Part 2, Getting Wealthy continues with 50 rules to help you gain wealth, rules such as: You've Got to Have a Plan, It's Never Too Late to Start Getting Wealthy, Learn the Art of Deal Making, Learn the Art of Negotiating, Consider Consolidating Debts, and Pay Attention to Detail. Part 3, Get Even Wealthier, provides 17 chapters, or rules, on things like: Play Your Hunches, Look for the Hidden Asset/Opportunity, and Be One Step Ahead of Your Tax Collector. Part 4, Staying Wealthy, has 9 more rules, and these include: Shop for Quality, Check the Small Print, You Paid What for it? How to Shop Around, and Don't Surrender Equity. The fifth and final part, Sharing Your Wealth, contains the last 12 rules such as: Use Your Wealth Wisely, Know When/How to Say No - and Yes, and Spend Your Own Money Because No One Will Spend It as Wisely as You.

If you like Templar's "Rules" books, you may like adding this to your collection as I did. However, I just didn't enjoy it as much as the others. It contains good simple advice, but as I said earlier, much more suited for the person just starting out or who has never been exposed to any money advice. I do recommend it, because I think many people would be better off if they learned these principles, but just not as highly as the other books in the series.

Reviewed by Alain Burrese, J.D., author of the "Tough Guy Wisdom" series and others.
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