Give Me Back My Five Bucks

Book Review & Giveaway: The Wealthy Barber Returns by Dave Chilton

My review of Dave Chilton’s new book, The Wealthy Barber Returns, is not very timely. A few people already beat me to the punch (okay, everyone beat me to the punch), but I was still thrilled when my editor Adam Mayers decided to give me 4 autographed copies of the book to giveaway on this blog. So, this review is better late than never. :)

Truth #1: I find it hard to read personal finance books. They’re usually dry and boring. So I usually choose to read marketing books instead. Yeah, I know, not much better.

Truth #2: I have never read The Wealthy Barber (his first book), nor did I know much about Dave Chilton before three key people in the personal finance world recommended the book to me.

So anyway, there I was, with The Wealthy Barber Returns in my hands. While I was really excited to do a giveaway on my blog, I was less than thrilled about having to read it. I mean, I know that The Wealthy Barber is the best-selling book of any kind in Canadian history – and that is a huge deal – but since I hadn’t read it before, I didn’t really know what to expect. So I went to the local Starbucks for a Pumpkin Spice Latte (fact: PSLs make everything better). While in the line-up to order my drink, I started reading the book. Well, I didn’t even get past the 1.5 page introduction, and he had me hooked. A personal finance book that was funny hilarious? It couldn’t be! It’s like finding the financial Holy Grail.

I loved this book. Dave’s advice was straight-forward, and the tone was casual and inviting – like he was having a real conversation with me. He has this incredible gift of make personal finance interesting, and easy-to-understand. Basically, he writes like I wish I could write. :)

I can assure you that if you are interested in personal finance, you will devour this book. I couldn’t put it down! This is the perfect book for 20-somethings because the advice is practical, and you will never find yourself overwhelmed with complex personal finance concepts. Plus, it’s really, really funny.

Now, you’re all here to try and win one of four autographed copies of The Wealthy Barber Returns, courtesy of and the Toronto Star.

There are THREE ways to enter (for a total of 5 possible entries):

  1. +1 entry (up to a maximum of +3): Tweet about the contest (link back to @krystalatwork and this blog post).
  2. +1 entry: Like GMBMFB on Facebook.
  3. +1 entry: Comment on this blog post and tell me how you first got interested in personal finance.


  • I am giving away four (4) autographed copies. Each person who enters is only eligible to win one (1) copy.
  • Open to Canadian and U.S. residents ONLY. (Although, I’m not sure how applicable his advice would be to my American friends).
  • Contest closes October 21, 2011 at 5pm PST.
  • The winner will be picked using
  • If you are an anonymous commenter, please remember to leave your e-mail address in your comment, otherwise your entry will be disqualified.

Good luck! :)

P.S. The winner of the RateSupermarket $100 Starbucks gift card was … (drumroll please) … Amanda Wong! Congrats! :) Someone from the RateSupermarket team will be contacting you shortly.

Author: Krystal Yee

I’m a personal finance blogger and marketing professional based in Vancouver. I’m a former Toronto Star (Moneyville) columnist, author of The Beginner’s Guide to Saving and Investing, and co-founder of the Canadian Personal Finance Conference. When I’m not working, you can usually find me running, climbing, playing field hockey, or plotting my next adventure.


  1. Charlotte says:

    I first read my Dad’s copy of the Wealthy Barber when I was in high school. I have been hooked on personal finance books ever since. I cannot wait to read the latest Wealthy Barber!

  2. Conny M says:

    I read his first book years and years ago which was the the first personal finance book I had read. It got me hooked!

  3. Shannon says:

    I’ve always been into keeping track of my money, but it gt a little hard core a year ago when I got into an expensive school. Been meaning to buy a personal finance book, but of course, don’t have extra money to do so :P

  4. Kim says:

    Truthfully, what got me interested in PF was reading his first book when I was around 19-20. It took me a couple of more years after that to get my act together though, but I found his book fantastic.

  5. Kate says:

    I became interested in personal finance as a teen after I saw my older sister reading ‘Smart Women Finish Rich.’ That’s when I realized that we could be in control of our money instead of our expenses controlling us. Lightly speaking, our house was never a finanically stable one and both my sister and I have been working (and saving!)our butts off to make sure we won’t live the same way. I’m 24 and I have already bought and sold my first home and living in my second. I would lovoe to ready a PF book that is hilarious and not boring/cheesy.

  6. Matt says:

    The love of personal finance began when I was in university and took a personal finance class. That class opened my eyes to a way of thinking in finance which took the field from theory to practice. I have been reading about finance ever since, but I have never read “The Wealthy Barber” and I feel I have been missing out.

  7. Jane says:

    I first became interested in personal finance when I wanted to buy a house. I read The Wealthy Barber when it first came out and found the storyline dorky, but the advice exactly on target. I’d be interested in reading the new version.

  8. x_ine says:

    I’ve been getting more involved in personal finance since I got my first “real” job a few months ago. Working on eliminating my student loan as quickly as possible and getting on the road to finanical independence.

  9. Dan Brown says:

    The “love” of personal finance came from, honestly, seeing my bank accounts drain over and over after even trying to set up a budget. I want to have the personal freedom through wealth later in my life, and finance plays a large part in that! Looking forward to the contest drawing Krystal!

  10. Byrocat says:

    I met David when I was working for IBM and he was the guest speaker at a function day (team building plus fun and games and some work-related items.) I still ahve my free copy of TWB (signed as well!)

    Times have changed over the last twenty years, and some of the base assumptions (growth numbers) are way down, but the principles apply — save continuously, pay yourself first, etc., etc.

    GMBMFB is really a personal applicaiton of the same principles.

    However, having someoen else say the same things is always validation. Having a fun and easy-to-read version makes the facts easier to absorb.

  11. It was Chilton’s first book that got me interested in PF! My Mom gave me the book. I read it, didn’t do much but then re-read it a few years ago and at that time got keenly interested in PF.

  12. I’ve been interested in personal finance since I was a kid, when I learned that if I save my $5/week allowance all month, I could buy every new Sweet Valley book that came out during that period.

    Times have changed, and now I try to focus on saving, but that kid in me who loved SV books is still there!

  13. LadyinRed says:

    Truth be told, I became interested in personal finance when I was neck deep in debt. My money was controlling me and I was suffocating. I began my journey about a year ago and I’ve come a long way and will soon be the Lady in Black instead of Red…Thanks to people like like you, Fabulouslybroke, money rabbit and asian pear who’ve provided priceless tips and advices just by talking about your experiences.

    I will continue to learn, unlearn and relearn…my way through personal finance.

  14. Kristen says:

    I was in a holy pile of debt in my mid twenties (I’m not that far out of them now – 31) and after an unsettling panic attack that woke me in the middle of the night I’ve turned my life around – I paid off around $40K of car loan/consumer debt, saved up a 20% downpayment and 2 years ago purchased my fantastic condo in downtown Toronto. I’m now looking to do more with my money, I love this site and a few others and from what I’ve heard about David’s book – will enjoy that too! Thanks for what you do.

  15. Diana says:

    I’m in the majority here when I say that I became interested in personal finance because I was drowning in debt.

  16. AMD says:

    A Christmas present from my Mom first got me interested in personal finance: David Bach’s ‘Smart Women Finish Rich’. I wanted to be a smart woman! :)

  17. Webb says:

    I first became interested in personal finance when I turned 30 and realized all I had to my name was $20k in debt. I did just about everything wrong in my 20s and I needed to start digging myself out. I should be debt free this year – give or take a $1k or so. :-) While I am not in a position to give advice, one think I tell all my friends in their 20s (mostly young guys from my rugby team) is to learn from my mitakes. Open an RRSP, pay down for school loans and live on a budget.

  18. Ashley says:

    I got hooked on personal finance when I was so far over my head and stuck in debt that I didn’t have a choice!

    Now… I’m still in debt, albeit much less. And, I’m crawling my way out. And I’ve got a new super geeky hobby that my friends pretend not to be interested in (though I know they secretly love when I talk TFSA’s with them!).

  19. Andrew says:

    I read Chilton’s first book years ago, but I guess it didn’t really sink in because I still ended up in debt 20 years later. I was a financial stable home-owner with good savings habits when I was 25. But things changed considerable in the last 20 years and now I’m living in a rented apartment with little savings and about $10K in debt. I’m also self-employed now, so my income varies considerably from month to month, and there’s always the temptation to buy new tools/toys for my business. I’m trying hard to get my finances back in order, and that’s what lead be to GMBMFB. Keep up the great work.

  20. Hank says:

    I first fell in love with personal finance, business, and investing after watching the movie, “Secret Of My Success”, with Michael J. Fox. How weird is that? But, ever since then I’ve loved everything about money and finance.

  21. Manish says:

    A question for you Krystal. Does this book builds on what was discussed in the earlier book ‘The Wealthy Barber’ or does it stands on its own irrespective of the earlier book.

    • Krystal Yee says:

      Hi Manish! I’ve not actually read The Wealthy Barber before, but from what people have told me, it stands on its own, and is not at all a continuation of the previous book.

  22. the Paperboy says:

    A couple months ago, I got the National Post app for my iPhone and I stumbled upon a article about mutual funds at ING who I had an account with.

    This led me to reading the financial section everyday. This led me to looking up personal finance stuff on the internet. That in turn led me to WhereDoesAllMyMoneyGo. Finally the links there led me to GMBMFB.

    Oh iPhone, what can’t you do?

  23. Chris says:

    I got into personal finance the day I saw Suze Orman for the first time on Oprah. She was just so inspiring and so to the point about finances. She really put a few people in place with her advice. My second bout of interest in personal finance came into being after finishing my first degree and I had to pay off my student loans. And of course I graduated during a recession and could not find a job for three months.

  24. Ed says:

    I first got into personal finance when I decided I wanted to buy my first house. I never really paid attention to my finances before then, but realizing that the bank would give me more than I was comfortable spending monthly made me realize that I would have to be aware of my current spending habits. By doing his, I was able to determine the most that I could comfortably spend without significantly affecting my lifestyle at that point.

  25. CnC says:

    I got into Personal Finance when you told me about your blog. Pretty sure I read every post in like 2 or three days. Haha creepy or what ;-)

  26. Zoey says:

    You were one of the nominees for the best Canadian personal finance blog on the Globe and Mail. Since there must be a reason for all those bloggers to be on the list I thought I would check them all out and that’s what led me here.

    You were in the process of moving and setting up your budget sheet when I started reading your blog. Since I had plan to move out at the end of this year I was curious to see if I missed anything and what your experience was like. I did miss a few things and I find your budget sheet very useful. Thanks for sharing.

  27. Janice says:

    I was always interested in finances. I was in over $10,000 worth of credit card debt and realized that I needed to do something. I read book, blogs, watched finance shows to remind me not to be in that much debt again – and make me feel better that I was not as worse as some. Also when I decided to look into house buying, there is so much to learn before jumping into the market. It’s good to be prepared.

  28. Bridget says:

    oooh I would love to read this! I first got interested in personal finance when I got hooked on ‘Til Debt Do Us Part — Gail made me take a hard look at my finances and make some serious changes. Good thing too, I hate to think where I’d be otherwise!

    • Krystal Yee says:

      Me too! Watching Gail’s Till Debt Do Us Part, and Alison Griffith’s Maxed Out really helped me a lot. I used to watch their shows and pity the people who were in so much debt… until I realized that I was one of them!

  29. Steve says:

    I still have my original copy of the Wealthy Barber. Good advice then. Good advice now. Would love to read Chilton’s thoughts on changes in the past 20 years . . .

  30. Steve says:

    oops – Sorry. Mistake in my email in above comment!

  31. Tony says:

    When I read the first Wealthy Barber, that sparked my interest in PF

  32. Erin says:

    First got interested in personal finance when I realized how much money I owed (cc, student loan, car).

  33. Amanda Wong says:

    HOORAY!! Thank you for the gift card!!

    I have pretty much always been interested in personal finance – I think I was simply raised this way. I grew up in a single-parent household and my mother did not have a lot of money but we’ve always afforded things that are important to us – namely postsecondary education, but also things like piano lessons and extra math homework (Haha *awkward tug of collar*).

    I have never been in debt and I always save money where I can. I think it comes from a healthy fear of the future – I just don’t assume things will work out and that somehow, I will need a large amount of money later so why spend it now?

    Having said that, there are definitely ways to go further and I am not as hardcore as you about refraining from shopping or social outings. I think the Gawker site “lifehacker” and your blog really helped me with budgeting and tracking my money this year.

  34. Stephen says:

    I remember my Grade 11 business teacher telling us all about ‘The Wealthy Barber’ and the merits of “paying yourself first”. The next day, I zealously booked an appointment with my bank to talk about saving a portion of each paycheque from my part-time job. Sadly, I never followed through. All these years later, I wish I had!

  35. zee says:

    I came across your site via Moneyville and since then have been reading more and more about personal finance. You helped me pick the smartcash credit card. Thanks and keep up the good work.

  36. Laura says:

    I first got interested in PF about a year and half ago when my BF decided to change his career and therefore we had a year of only a single income and new loan for school. I’ve been kind of addicted to it ever since.

  37. Karl says:

    I first got interested in PF as a business student at SFU. I just read the WB a few months ago so am interested in the new one from Chilton!

  38. I got interested in the PF world from reading MP Dunleavey’s articles on MSN’s original Women in Red boards. I learned of a few PF blogs on there and eventually found yours. Although I don’t comment a lot here I am an avid reader/follower–your blog and South County Girl are the reason why I’m now a blogger!

    I’ve also tweeted about this..

  39. Erika says:

    I too got into PF from watching Gail Vaz Oxlade in Til Debt Do Us Part. I’m still pretty new at saving and would love to learn more.

  40. Jessie says:

    My mom tell’s this story much better – but I have been interested in personal finance from a very young age. My mom says how often kids are told ‘you would recognize a dollar if you saw it’ – when teaching them the value of a $$. When I was told that I said, ‘no, I wouldn’t – it’s in the bank’

    I started writing about three years ago after following your blog for a while :D

  41. SarahT says:

    I think I’ve always been interested in PF… I did get a car loan for a pickup when I was just out of grad school, but I made a great spreadsheet to help me track extra payments and had the loan done with in less than 1/2 the time. It was very satisfying watching the amount going to interest decrease! Thanks for the giveaway.

  42. Mike says:

    I have been excited about Personal Finance ever since my first paper route. Then I read The Wealthy Barber when I was 13 and have been anticipating the release of this book for quite some time! Thanks for the giveaway Crystal! I am entirely new at blogging and am in the process of getting my own up and running.

  43. Allison P. says:

    I’ve always been conscious of personal finance, that’s for sure, but after having my third child, and moving for a new job for my husband across the province, I’ve decided to stay at home to raise my kids, keep our home in order, etc, etc. It’s a major mental shift for me. So far it’s meant a MUCH REDUCED level of stress in my house, a happier marriage, happier kids, better eating, less home-chaos, and a MUCH REDUCED income. This means I’m thinking about family/personal finance a whole lot more than ever. I’d love to read this book. Thanks for the opportunity!

  44. lisa says:

    i got into pf after i graduated university and started my first real job. my parents brought over their financial adviser to talk about rrsps and my interest just grew from there. i’d love to win this book!

  45. Taylor says:

    I first became interested in personal finance when I read The Millionaire Next Door. I realized that “looking” wealthy and “Being” wealthy are completely different things.

    I have heard about this book a couple of times but have not read it. I hope I win!

  46. Cassie says:

    I was 17 years old and an exchange student in Denmark. I had been there for months and I was starting to get language fatigued. I just wanted something to read in English! I wandered through the MSN webpage looking for something interesting to read and stumbled across their money section. I’ve been devouring finance articles ever since, and I’ve never looked back.

  47. manda_michelle says:

    I am only just now getting interested in personal finance, only because i have a significant amount of debt i am trying to pay off, and yours was the first PF blog i found!
    i think i NEED this book!

  48. Putri says:

    I was an international student attending UBC in Vancouver, BC. Up till 2007, I lived with my older brother in a 2 bedroom apartment. The only bill I paid myself was my cell phone, everything else was taken care of by my brother. In mid 2006 it became clear that it would be very hard for him to find a job here so he’d probably have to go home. That’s when I started tracking my spending. In late 2006 he went home and all the bills became my responsibility. I immediately rented out his room. I cut back the cable 2 notches down, from the most expensive package to the one just above the basic cable. The frugal adventures continue to this day. It’s been pretty fun :)

  49. Pira says:

    I got interested in personal finance only recently (I wish even earlier!) when I came face to face with my debt. Debt that has accumulated over my 20s and now heading into my late 20s, has yet to disappear. I decided that I had to face it head first and have been aggressively paying it down for the pay half year. In doing so I’ve become very interested in PF blogs (like yours!) and reading the stories of those like myself. I’m not alone!

  50. Jenny says:

    I first got interested when my dad told me to open an online investing account and I had to do a lot of research on how to manage it!

  51. g. cook says:

    I read The Wealthy Barber many years ago and knew he had helped the Looneyspoons girls on their way! Looking forward to the next bits of wisdom!

  52. Morgan says:

    I first got interested in personal finance last year, while on EI after I lost my job. After several months of being on EI I realized if I didn’t start making a budget and sticking to it I would quickly run out of money that was needed to pay my bills. I started using the envelope system and have found it works really well for me. I now follow several PF Blogs (including this one, which I love!), looking for ways to save money for when I go back to school in a few weeks.

  53. Little Lamb says:

    I first got interested in PF when I was pretty much tapped out and stressed out! There had to be a better way and so I searched. I found Gail Vaz-Oxlade and some great PF bloggers and now I am well on my way to debt-free!

  54. LMU says:

    I have always been interested in PF. My parents rule about money was always half in the bank and I could spend the other half. My dad also told me that if I put $1,000 in an RRSP at 18, I’d have $1,000,000 by the time I was 65. Certainly good motivation to save as a teenager.

  55. Shawna says:

    I have always been into saving money; I started a bank account at 11 to save for my first house.

    The Wealthy Barber changed my mom’s life and I would love to win a copy of this newer version.

  56. Kris says:

    I became interested in personal finance after taking a job as a flight attendant with the carrier currently bogged down with labour issues. The starting wage is LOW (like $18000 for a full time job) but I LOVED the work so in order to keep working there, I had to learn to budget every penny AND get a second job. It was only because I learned how to budget and increased my income that I managed to make my income cover my expenses (and I’m a cheap as sin, thrift store shopping minimalist) and was able to keep working at a job I enjoyed.

  57. lindsay says:

    I remember my parents reading the Wealthy Barber…ummm eons ago? Maybe more like 15 years. Anyways, I first got interested in PF when I was trying to get some advice on how to get rid of some credit card debt years ago. I stumbled upon the Women in Red Forum on MSN money.

  58. Ro says:

    Started with minimalism, then moved on to the overall idea of simpler living. Read the Millionaire Next Door and was hooked from that point on, so looking for the next, updated version of PF literature is definitely on our radar. Thanks for the opportunity to win this one.

  59. Mia says:

    When I first started working I blindly followed my father’s advice that I should pay myself first and always put a little of each pay cheque into an RRSP.

    But it wasn’t until I had my first real, real job after finishing university and realized that my pay cheque wasn’t going to go far in the big city. I then realized how important my Dad’s advice had been and that I was going to need to take an active role in my personal finances to make sure I had money at the end of the month and not rely on credit to fill the gaps.

  60. Be'en says:

    I tweeted and liked you on the Facebook. Love your blog too (esp the unusual title!).

    I got serious about personal finance when my daughter was born 25 years ago and we were on only one income. Started budgeting with a lot of discipline. Would love to win the book for my daughter who needs to learn about proper financial management!

    My email is

  61. Mikhaila says:

    My parents were always reasonable with spending, and my dad told me to NEVER carry a balance on a CC (which I have adhered to).

    My adult interest came after I started watching Til Debt do us Part and started reading Gail Vaz-Oxlade’s blog (and her books!); now I can’t get enough PF and I’m constantly either reading blogs or books from the library.

  62. Laranda says:

    Came to your blog from sympatico finances and this was the first article I saw, I seen about TWBR a few weeks ago on squawkfox and now I’m thinking again that I should probably read this. I am a 20something trying to do better with finances and I will take any help I can get. Will be visiting here often I’m sure. Thanks!

  63. I swear I’m not just posting this to suck up, but I only really got interested in personal finance because of you! I got my first ‘big girl’ job last year after moving to Vancouver and wasn’t really noticing that I was depleting my savings at an alarming rate. I started casually reading articles on Moneyville and got directed to your website. It got me hooked on money management and I’ve done a complete 180. At the moment, I feel like a bit of a sponge and want to read everything and anything that can help me achieve my goals!

  64. I probably got most interested, when I paid off my car load & line of credit (after selling my house–I kept some money out of the mortgage) and decided that I didn’t want to be in that much debt again. Every once in a while I fall behind, but then I figure it out!

  65. Also tweeted and liked ya on FB!

  66. Dave Chilton says:

    Thanks for the review– I’m really glad you enjoyed the book so much!

  67. Floria says:

    Hoping to be a better saver and spender! Hence my interest in personal finance. Came across your article in the metro today and decided to check out your blog! Looks very interesting! :)

  68. Katie says:

    Liked you on FB

  69. Katie says:

    I have been interested in personal finance for the past 5 years. I started working in banking, yet I still had a lot of personal debt. I started looking up ways online to save and to chip away at it.
    I’ve been reading your blogs for years.

  70. Amy says:

    I’ve been concerned about savings and PF since my dad started me off with a tracking book and $50 when I turned 13. But I turned up the heat last year when I finally had a full-time, well-paying job and had quite a bit of money just sitting in a 0% interest chequing account. I started searching around the web for advice on investing, and already being a daily reader at, came across their new blog. Your articles spoke directly to where I’m at in my life at the moment. Ever since, I’ve been following along with your personal blog, in addition to And thanks for introducing me to – what a fantastic site!

  71. Michelle says:

    I would love to win a copy!

  72. LC says:

    I think I’ve been interested in personal finance since the day I got my first credit card. Did that make me a smart spender/saver? Obviously not. But I have been watching interest rates, comparing accounts and cards, etc. for 7+ years now.

    I have many memories of us having nerdy money talks long before I knew you were a blogger… haha. Your blog definitely motivated me to start my own. :)

  73. Leanne says:

    My interest started, latently, when I started working. Every time I get my paystub, look and see what my YTD total is, and think about how little I have to show for it, I’m interested in PF.

  74. Elizabeth says:

    I first became interested in PF while watching Til Debt do Us Part. I realized I wasn’t putting myself in a good position with all my debt. I then went online and found this great blogging community and your blog I could relate too.

  75. I always l-o-v-e-d those people on t.v. who’d give advice about clipping coupons and saving money on a shoestring. When the movie Wall Street came out I realized that I could become rich if I just stole secrets and gave them to a dude on a yacht.

    That didn’t turn out to be true, but I was hooked.

    And so, my love of personal finance was born. I read the original Wealthy Barber tome and have always remembered a great piece of advice from it: don’t believe your advisor if you can’t write out the strategy on a napkin. (or something like that….I was young.)


  76. MA says:

    I graduated from high school just as the dot com bubble was peaking and then collapsing and found watching CNBC as stock markets close up & down 3-4% on any given day pretty fascinating. I’d always been more of a saver than a spender, but that got me very interested in investing at a young age. A few rapid paper portfolio losses convinced me that getting rich “slowly” was the way to go.

  77. Jolayne says:

    I’ve always been a budgeter – my CA dad started me out with little green notebook and a monthly allowance that I had to use for music lessons, clothes, etc, when I was in my early teens. Personal finance for me isn’t something I need to be interested in – it’s life. I don’t know how I’d survive not know where my money was going and living within my means!

  78. Leanne says:

    My first real interest in personal finance actually began when I dumped my boyfriend of several years. We were living together, renting a house from his parents, and I had to move out fast. I was also working 90+ hours a week and had no time to deal with finding a place to live. By some strange twist of fate, a friend of my mom’s knew a guy who was selling condos, and after visiting one at 10pm to view it, I bought it, two days after breaking up with the ex. I was thrust into the world of home ownership unprepared and I needed to play a huge game of financial knowledge catch-up! Fortunately, I did pretty good, selling the condo a few years later for a 100K profit and building a house. :)

    My other poke in the side was actually watching Til Debt Do Us Part and realizing that the “little” debt that I was pretty comfortable with was really, really stupid and that I better get my butt in gear and get rid of it!

  79. Tracy says:

    I liked you on facebook as well! I wanted to learn more about personal finance after I started my first full time job out of university. I wanted to be aware of what my money can do for me and the best way to utilize it depending on what my goals are.

  80. Jacky says:

    I got interested when I start going to university and had to take care of my own finances. I am still learning everyday and now I am a graduate and saving for bigger things later on in life!

  81. Sheida says:

    I first got interested in PF after watching Till Debt Do Us Part. I started watching the show religiously and realized, I never wanted to be in debt like some of the people on the show. I found your blog and have been hooked on saving ever since!

    I liked GMBMFB on facebook, I retweeted about the contest and I am now commenting here! I was actually going to go to Chapters yesterday and buy this book before I saw you were giving away copies!

  82. David says:

    I first got interested in PF after my big realization in 2nd year of university that I couldn’t just swipe my credit card and deal with the bill that comes in the mail once a month. Since then, I’ve been tracking every little detail of my expenses to manage my spending/budgeting.

    Because of that, I was able to purchase my first house at the age of 24. :)

  83. Liz S. says:

    I first became interested in personal finance when, after I got my first real job and started paying back my school loans, I realized I was blowing through my savings more quickly than I wanted to be. I stayed interested because it sucks feeling like the money you’ve got isn’t ever really your own due to the cloud of debt hanging over your head. And I came out from undergrad pretty decently compared to some friends!

  84. JJ says:

    I first became interested in personal finance when I found out I would have less and less money if I just saved, not earned more because of inflation.

  85. Kate says:

    I first got interested in personal finance as a teenager in the 1980s, because at that time interest rates were quite high, and I found that if I saved the income from my part time jobs, I could actually make over $100 per month in interest (and this was from a chequing account). Those were different times. It was great for me, although I know my parents, who had taken a mortgage on their house to expand their business, had a pretty tense few years with ever-increasing interest rates. It worked out well for them in the end, though.

  86. Byrocat says:

    Liked your Facebook page as well.

    Easy-to-read FP books make following the advise easier becasue you have real-world experiences to relate to, not a bunch of numbers.

    If you want a real whoot, listen to David Chilton describe how he and a friend paid their way through university.

  87. Amiie says:

    I think it’s everyone’s natural instinct to save money.. actually I might’ve lacked that gene when I was born, but I’ve made countless lists of ways to save money whilst saving myself from deprivation – yeah, that didn’t work out.
    I’ve never read a financial book.. but there is a first for everything! I may just buy this, or a similar book to this, if I am not picked :-).

  88. Jane Kim says:

    How I got interested in Personal Finance:

    I was born and raised in a middle-income family. My parents ran their own business, which was successful at times, and they gave me generous allowances and assured me that as long as I stayed in school and kept my nose in books, I wouldn’t have to worry about money – so long as they could provide for me. Sounds too good to be true, yes? Indeed it was.

    My family was hard hit by the economic recession, and not only that, but I had difficulty landing my first job after graduating. At one point, I had a near-death experience and had to go to emergency room, but all I kept worrying about while I was lying on the hospital bed was how I was going to afford to pay for the ambulance.

    Going from wealthy to poor is difficult, because once you are used to a certain life of luxury and comfort, you begin to think that is the only way to live and take much for granted. Since the financial hardship had set in, I began saving all my receipts in a jar and recording every expense in an excel spreadsheet to keep track of my spending. I cut down on unnecessary and unimportant expenses – such as pedicures, massages and waxing that I treated myself at the end of exams or big assignments.

    I made new friends, ones that were more understanding of my situation (hence, true friends), and instead of going out to expensive restaurants for outings, we’d stay in and have potluck dinner and got to enjoy people’s different signature dishes. In grocery stores, I bought only those ingredients I needed for each meal and had less leftover to worry about. Instead of shopping for books or CD’s, I went to public library and took out movies, books and music that I normally would not buy, but which opened my eyes to diverse genres.

    Having less money in my pocket perhaps made me feel restricted in choices I thought I wanted initially – but I began to see that having less gave more back to my life. And I am currently saving as much as I can while paying back my student loans aggressively. My goal is to be able to afford a house in two years.

    Thanks for reading this long comment.

  89. Caren says:

    I became interested in personal finance because of YOU! :)

  90. andrea says:

    Comment, comment, comment – would love to read a copy of his book, would bet having to wait around for the library copy.

  91. De says:

    Would love to get my hands on a copy of his book.

  92. Potato says:

    First got interested in personal finance? That’s lost to the sands of time. Probably a function of budgeting so as to maximize the amount of candy I could buy with my allowance (yes, even as a sugar-addled small child, I was a giant nerd). For blogging about personal finance? Well, I had a blog for years and years, but didn’t start including PF topics until Canadian Capitalist challenged us all with his worst financial moves post.

  93. I used to work in the States, but a family crisis resulted in my going back to the Middle East, where I ended up being stuck for three years until I could migrate to Canada. During the first two years I couldn’t find a steady full-time job and money was *really* limited. I used to walk everywhere (in 40-degree Celsius weather) to save the fifty-cent bus fare.

    As a result, now that I’m in Canada I’m determined to have a home of my own some day and will do whatever it takes financially to get there.

    Oh, and yes, I’d love to read that book! I do reviews on my blog too.

  94. Alice says:

    I first got interested in personal finance from reading David Bach, “The Automatic Millionaire” – I started following some of the principles in that book, and then I read “The Richest Man in Babylon” and “The Wealthy Barber.”
    After I lost my job and accumulated some debt I once again got interested more in personal finance. I read personal finance books and blogs to stay motivated. All I have left to pay off are $10k of student loans and my mortgage.
    I love the “Wealthy Barber” and “Richest Man in Babylon” books. Classics.

  95. Nicole says:

    I got into personal finance when I was a late teenager. My father had just left my mom, and she didn’t have enough money to carry the house on her own. That’s when she got a second job, and I began to take over the bills and household expenses. When other people were buying cars, clothing and taking vacations, I was paying for hydro bills, old credit cards bills of my mom and groceries. Not glamorous, but I quickly realized that it’s easy to slip into debt and much harder to get out.

    Since then, I’ve reduced my debt 80% (almost out!) and have built up an emergency fund. Being in my (relatively) early twenties, I know there’s still a long way to go…but I know the exact position I don’t want to be in! Still getting educated on personal finance and love the site!

  96. Karen says:

    I liked you on Facebook!

  97. n axibal says:

    I read his first book years ago and loved it but gifted it to a friend so he’ll learn from it too. Would love to read and own this new book but plans to give it to my son this time.

  98. Vicky says:

    Great idea! I’d love to read more about personal finance.

  99. Vicky says:

    And I forgot to mention: I got interested in PF by reading blogs like yours and finance websites.

  100. SophieW says:

    I finally got serious about my finances almost 2 years ago. After watching a Til Debt Do Us Part marathon over the christmas holidays I took stock of my debt and net worth and realized that while I hadn’t been doing an absolutely terrible job, I certainly wasn’t doing very well either.

    Now at 40 I’m debt free and trying to learn all I can about investing (and staying debt free lol) I think Dave’s latest book would be a wonderful read!

  101. R.Kotecha says:

    Personal Fiance: I teach it in high school ! Perfect book for the grade 10’s.

  102. Diahann says:

    This is a great contest! The Wealthy Barber has great straight forward advice that ANYONE can use.

  103. Linnie says:

    I liked you on Facebook (and I LOVE your blog)!!


  104. Linnie says:

    For entry numero deux:

    My interest in personal finance became an obsession with my first “real” job. Working as a soft collections agent (I was nice, I swear!) really opened my eyes about how easy it is to fall prey to credit.

    In that year I quickly learned how much I didn’t know – and have since become obsessive on finding out more!

    Thanks for the giveaway!

  105. I was working a good job, but after I paid off my student debt, I was still didn’t have as much in my pocket as I’d like. I wanted to know where my money was going and started to track my expenses and take inventory of my assets.

  106. Stephanie says:

    I first got into personal finance after I graduated, because I wanted to start figuring out what to do with all my student loans and my retirement fund options. And, actually, one of the first personal finance books I read was The Wealthy Barber! No joke! I think I also read Suze Orman’s “Young, broke, and fabulous” book to start out on my journey. That and a bunch of pf blogs!

  107. Riley says:

    You’ve inspired me! I don’t know if I’ll find myself ever taking on more than one job (I don’t know how you do it), but I started up my own personal finance blog today so that I can make myself face reality and see the numbers. I’ve racked up tens of thousands of dollars in credit card debt and I’m only 24! Not to mention student loans and personal debt (that went to paying off older credit card debt).

    I’m also leaving my job to try and move to the San Francisco area. All while paying down debt. We’ll see how it goes.

    Believe it or not I got my degree in Accounting :-)

  108. Tom says:

    I got interested in personal finance when I was really young from my parents, but didn’t realize it until I noticed how much of a headstart I had over my friends in terms of money management.

  109. says:

    We love your columns and your very personal approach to finance, which actually can’t be said for a lot of people writing personal finance!

    Keep up the good work!

    – Kerri,

  110. Stephanie says:

    I liked you on FB.

  111. Stephanie says:

    Stumbling across your blog is what forced me to take such a close look at our finances and got me interested in learning as much as I can about personal finance. Now we have a plan and if it works out we will be debt free in five years!

  112. Money Rabbit says:

    Ah!!! I can’t remember if I entered or not. DEFINITELY wanna win!!!!

  113. pf girl in vic says:

    Always had an interest but started reading PF blogs about a year ago (including yours) and got hooked. Learning a lot and would love to read the WB follow up book!

  114. It’s a good “starter” book.

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