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“How to be Rich: The Couple’s Guide to a Rich Life Without Worrying About Money” is a fresh take on the average personal finance book that weaves a story with financial advice.

Instead of throwing as many money-saving tips as humanly possible at his readers, certified financial planner Chuck J. Rylant focuses on helping consumers understand the emotions tied to financial decision-making, while also providing the basics needed to make educated choices about your money.

Meet Richard and Janet

Rylant chronicles the lives of married couple Richard and Janet and their finances, and oftentimes, this book reads more like a novel than a personal finance guide. At the beginning of this tale, Richard receives a promotion at work just as Janet receives news that she’s pregnant. The following chapters describe each character’s state of mind as they continually quarrel over finances and budgeting with a baby on the way.

With new things to consider, such as a mortgage and life insurance, the couple faces many challenges as they try to get their finances in order. This half of the book provides an important background in discussing the psychology behind this average couple’s daily struggles with money. Richard and Janet are constantly battling the stress of their credit card debt and lack of savings for their baby. Once these emotions are addressed, readers can learn how to avoid making the same financial mistakes this fictitious couple continue to make.

Weaving financial education into the story

Rylant slips in some straightforward financial advice through the character of Danny, a financial advisor the couple consults after their financial woes bring them dangerously close to a divorce. Richard and Janet are overwhelmed by the thought of needing a financial advisor at first, but they quickly warm up to him as he helps provide a safe environment for them to discuss their finances.

After their first few initial meetings, Danny begins to delve into his five financial fundamentals which provide great advice on how to take inventory of your debt, and prioritize credit card payments based on interest rates. Danny also discusses the importance of setting up an emergency fund and eventually learning to save 10% of their annual salary to put towards this fund.

More important than the advice Danny provides is the reaction each character has to learning money management. They find Danny’s advice useful, but that doesn’t mean that they aren’t skeptical about making some of the changes he suggests. Having their point of view makes the advice more obtainable, and encourages readers to make these changes in their own finances.

Entertaining read, useful advice

Overall, this book has some quality advice integrated into an overarching plot about an average couple and their struggles with money. Rylant works hard to create an educational storyline without force-feeding the reader too many personal finance tips. This book is an easy and entertaining read for those looking for advice on navigating the slippery slope of marriage and finances.

Give credit where credit is due,

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All you have to do is “Recommend” this review on Facebook, and then answer the following question in the comments:

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** “How to be Rich: The Couple’s Guide to a Rich Life Without Worrying About Money” is available for sale at Amazon.com.

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