ABOUT:

Major financial mistakes no longer have to be a rite of passage for adulthood.

Graduates experience a common, soaring feeling: Freedom. Yet, we are funneled into an economic system designed to rob our freedom, little by little, leaving many living paycheck to paycheck, transforming the dreamy and ambitious to the beat down and stressed. What if sidestepping that funnel of dread isn't as hard as we think?

But First, Save 10 casts aside self-judgment budgeting, demystifies common financial jargon, and teaches a simple approach designed to yield abundance and joy. Plan retirement on your own terms and buck that unfulfilling job or start your dream business—this system is your ticket to a life of true freedom, however you define it.

With a pay yourself first cash management system combined with automation, you’ll accomplish what prior generations have collectively failed to do:

1.       Save (enough) and invest to retire;

2.      Create, fund, and retain an emergency fund;

3.      Save for future expenses that bring joy, security, and freedom;

4.      Pay down debt aggressively and use debt sparingly and responsibly;

5.      Design a life with low fixed overhead; and

6.      Enjoy spending the rest.

Finally, we have a sustainable routine, adaptable for any income at any life point—a system that offers the power to design our futures and define our destinies.  

SELECT PRESS:

• Gutierrez’s column “Save Yourself” appears weekly on Tuesdays in the Arkansas Democrat-Gazette.

• April 2021, Real Simple Magazine, “How to Stay Focused on Saving For Retirement, No Matter Your Current Financial Situation” by Kara Cutruzulla (print and digital editions).

• March 2021, Business Insider, “7 Easy-to-Read Books That Will Help You Save More Money” by Liz Knueven

• February 2021, Money Savage Podcast’s February book club feature.

• January/February 2021, “Perfect 10,” a review by Angele McQuade. BetterInvesting Magazine. Print only. “If 2020 hasn’t made the importance of saving clear enough, this book will lead you the rest of the way.”

• November 11, 2020: TIME Magazine Next Advisor “11 Best Personal Finance Books of 2020” by Farnoosh Torabi (But First, Save 10 ranks #7)

• September 14, 2020: SO Money Podcast Episode 1095

• June 15, 2020: Wall Street Journal, “Investors Approaching Retirement Face Painful Decisions” (Quotes Gutierrez)

• June 14, 2020: The White Coat Investor Podcast Episode #58

PRAISE:

“If 2020 hasn’t made the importance of saving clear enough, this book will lead you the rest of the way.”

—Angele McQuade. BetterInvesting Magazine.

“Concise, clever, and laugh-out-loud funny.”

—Linda Bessette, Mindful Money: A Path to Simple Finances

“This is the book that will teach women en route to financial freedom.”

 — James M. Dahle, MD, FACEP, founder of The White Coat Investor and author of The White Coat Investor: A Doctor’s Guide to Personal Finance and Investing

“Gutierrez offers invaluable advice on how we can take control of our finances in a way that is productive and empowering."

—Georgia Pellegrini, author of Modern Pioneering and Girl Hunter, leader of women’s Adventure Getaways

"The EXACT book I want my daughters to read to learn about personal finance."  

—Jimmy Turner, MD, anesthesiologist, author of The Physician Philosopher's Guide to Personal Finance, and host of the Money Meets Medicine podcast

"A must-read, especially for women entering the workforce.”

— Naseema McElroy, founder of Financially Intentional and host of Nurses on Fire podcast

“A life of time freedom is simply priceless. Crafting this life is possible and it all begins with the plan to Save 10.”

—Lynn Frair, founder of fihealthcare.com

“Every woman should read this book.”

— B.C. Krygowski, MD. FIRE (Financial Independence Retire Early) blogger 

“This should be required reading for college grads.”

— Diania Merriam, Chief EconoMeist, EconoMe Conference 

“Every young adult should read this book before making any major financial decisions in their lives.”

—Rob Phelan, ChooseFI Personal Finance Curriculum Developer, author of The Simple StartUp: A Beginner’s Guide To Starting A Business, and high school personal finance teacher

Pairs well with . . .

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