Entertaining, informative, and easy to understand

I had the pleasure of listening to the audiobook, and honestly, I was blown away by how engaging and informative it was. Robert has a knack for explaining even the most complex financial concepts in a way that's super easy to understand. It's like having a conversation with a friend who actually knows what they're talking about.

This book covers everything from building good credit and choosing the right credit card to avoiding debt, saving money, and even investing for the future. As someone who learned about personal finance the hard way, I wish I had access to a resource like this when I was younger.

What really sets this book apart is how entertaining it is. Robert keeps things interesting with real-life examples and relatable stories. It never felt dry or like a lecture, which is a huge plus when it comes to learning about personal finance.

Honestly, I think this book should be required reading for every teenager (and tbh a lot of adults could benefit from this as well). It's an invaluable resource that empowers young people to take control of their financial future. Five stars ⭐️⭐️⭐️⭐️⭐️

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Excellent Advice with Humor and Examples

How many of use resolve the charges on our card? How carefully do you protect you spending habits? Mr. Newkirk does both of these things and brings humor to his educational wealth lessons. Yes, wealth. How to preserve it. What do the wealthy do when it comes to cash and credit? I learned who created the FICO score and how to increase mine. As for the humor, well, I laughed heartily along with the narrator's take on Streaming services cost and tricks companies use by stating fees are low at "nine ninety nine". I look forward to more narrations by Mr. Newkirk in future literature.

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I Wish I Knew This 30 Years Ago!

The Choice is Yours: The Personal Finance Choice for Teens & Young Adults is an excellent resource packed with practical advice for middle schoolers, teens, and young adults. It provides clear examples of positive financial behaviors, strategies to implement, and ways to recognize and navigate systems designed to push individuals into debt. The book also offers actionable steps to take control and "beat the system" at its own game.

This book makes a thoughtful gift, whether as a stocking stuffer or a graduation present. As a middle school teacher, I find many of the concepts highly relevant for integrating into math and civics lessons. For parents of upper elementary and middle school children, this is a valuable tool to start discussions about financial literacy and put these lessons into practice. It's an excellent way to model and teach the importance of managing finances wisely.

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A Book for Every Teen & Young Adult Family

This is CRITICAL information, especially post-2020. At first, I struggled with who this book was for - is it young people or their parents? Then I realized that it's really for both. This is information that young people need as well as a perspective that parents need to have. It is accessible and really looks at the money challenges of today, giving young people a solid understanding of how we got here and what's driving the current environment. But then it is step by step solutions to addressing financial health - from credit cards to higher education decisions to buying a house to creating generational wealth.

Millennials and Gen Z are in a drastically different situation than the generations before them. From the cost of housing and college to the onslaught of purchase pressure from social media algorithms and targeting ads. I know it's a consideration I didn't make. But this book recognizes this important change in climate and provides real, practical advice on how to navigate through it to still achieve financial health and wealth. From understanding how to select a credit card and how to use it to understanding what is a part of the home purchase process, this is real, detailed financial literacy that is definitely overlooked in most schools. This will be my high school and college-age gift because they need to know all of what's covered in this book.

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Money Smarts for the Win!!

Robert Newkirk’s The Choice is Yours is like a crash course in money smarts everyone should have had in school. It’s packed with real-world advice and simple steps that actually work—perfect for balancing your future goals with living your best life right now.

Whether you’re a teen just figuring out the value of a dollar or a parent looking for a way to kickstart money talks at home, this book delivers. And it’s not just for the younger crowd—if you’ve made some financial missteps (haven’t we all?), it’s a game-changer for getting back on track.

This is the kind of book you gift, keep on your shelf, and recommend to everyone you know. Trust me, it’s the ultimate guide for thriving in today’s crazy economy. Get it, read it, thank me later!

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Straight to the phone, and it stays there.

As a former economics teacher who had to squeeze in personal finance into the 2-3 days we had allotted for it, I truly appreciate how clearly and thoroughly Robert addresses these topics. This book would have been a great help for teenage me, as my parents didn't really teach us anything explicitly about money or credit. If I had this tool in my toolbelt, I would have been much more prepared for the challenges I encountered, and I believe that's the power of a book like this. Whether youth or adult, Mr. Newkirk has written a book that would be absolutely beneficial and have a tangible impact on the reader's financial practices.

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Easy to understand

Mr Newkirk did an outstanding job ensure his information is concise and effortless to follow and understand. Plan to give his books as Christmas gifts!

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A solid foundation for serious young adults who want to excel in finances.

This is a complete guide with very impressive insights on finances. This book would have my life easier by saving me time and money.

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Mastering Money and Outsmarting the System

Newkirk’s style is nothing short of captivating and inspiring—he masterfully blends vivid metaphors, like “jumping into the pool,” to empower readers to dive headfirst into the world of financial education. His words spark action, urging readers to take control of their finances. Through personal stories and relatable real-life examples, Newkirk makes each lesson feel like it was written just for you. This isn’t just a “how-to” guide for money management; it’s a deep dive into the bigger picture, exploring the forces of capitalism and consumerism that can often trip up young adults. Five stars for a book that delivers both practical wisdom and powerful insight.

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Most Needed Information!

The Choice is Yours: The Personal Finance Choice for Teens & Young Adults is an informative resource that not only teaches how to develop good credit, but also focuses on the practical steps to maintain it! The unfortunate results of making poor choices with money are also discussed. Mr. Newkirk’s recording is a worthwhile listen,- either straight through on a long road trip; or-- chapter by chapter as a great conversation starter with teens on the morning commute. Mr. Newkirk’s discussion of excellent strategies for appropriate money management is extremely well timed and most needed!

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