Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth - Hardcover

by Cindy Zuniga-Sanchez (Author)

Transform your financial situation with easy-to-follow advice from a first-generation professional

In Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth, lawyer, business owner, and first-generation professional Cindy Zuniga-Sanchez delivers a practical and actionable blueprint for financial independence. Full of easy-to-apply advice for young adults, students, and early-career professionals, the book is a holistic guide to responsibly managing money and debt while building your nest egg.

In the book, you'll explore how to be a responsible consumer, how to budget, save, invest, pay off debt, build credit, and increase your income. You'll also understand much of what school didn't teach you about student loans. The author explains:

• Strategies to create a realistic and actionable debt repayment plan that will save you money and time
• Strategies for maximizing your income by negotiating your salary and finding profitable "side hustles"
• Techniques for straightforward forms of investing that responsibly balance risk and reward
• The money strategies that she put into place and resources that she used to go from having six-figures of debt to a multiple six-figure net worth

An essential money resource for students, professionals, entrepreneurs, young families, and anyone else hoping to reduce their financial stress and improve their lives, Overcoming Debt, Achieving Financial Freedom is the simple and powerful money guide you've been waiting for.

Front Jacket

While those who "come from money" often enter post-secondary education and the workforce with a wealth of personal finance education, those from humbler beginnings sometimes lack the financial skills necessary to make responsible choices about their own finances. This disparity is especially pronounced for many early-career professionals and students from communities of color trying to gain a foothold in an unforgiving economy.

In Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth, first-generation American and lawyer Cindy Zuniga-Sanchez shares her story of going from a low-income community in the Bronx to a debt-free business owner. In the book, you'll discover the importance of having your own "why" in your journey to financial independence and freedom and uncover your own personal goals and the reasons you hope to accomplish them.

You'll also explore your own income, expense, and debt numbers, create a consistent and impactful budget that works for your lifestyle, be a conscious consumer, create and build savings and an emergency fund, craft a debt repayment strategy, and learn the facts about student loans they don't teach you in school.

Overcoming Debt, Achieving Financial Freedom demonstrates how to build your credit, invest for the future, negotiate your pay, and find "side hustles" that can help further your financial goals. It provides readers with a holistic approach on how to properly manage money and debt from the perspective of a first-generation wealth builder and professional.

An essential financial handbook for anyone interested in building their own wealth, this book will be especially useful for students, early-career professionals, small business owners, new entrepreneurs, and others who are starting their own financial journeys.

Back Jacket

PRAISE FOR

Overcoming DEBT, Achieving FINANCIAL FREEDOM

"This book is a must-read for anyone who wants the inspiration and roadmap to achieve a life of wealth and freedom. Cindy not only shares her incredible personal story, but shows readers step-by-step how to get out of debt and achieve financial freedom."

--JAMILA SOUFFRANT, Founder, Journey To Launch

"Cindy's story of overcoming debt and building wealth as a first-generation daughter of immigrants is sure to inspire anyone who picks up this book. Overcoming Debt, Achieving Financial Freedom simplifies complex money topics and demonstrates that it is possible to afford a life driven by your values."

--FARNOOSH TORABI, Financial Expert, Author and Host, So Money podcast

"Cindy's personal story of her upbringing and her journey to becoming debt-free will not only inspire you to pursue your own financial dreams, but will truly change your life. If you've ever thought financial freedom was out of reach, Cindy will have you think again and guide you with practical and uncomplicated advice towards making your own freedom a reality! Three words: Read this book!"

--BOLA SOKUNBI, Author, Founder and CEO, Clever Girl Finance

Author Biography

CINDY ZUNIGA-SANCHEZ is the Founder of Zero-Based Budget, where she offers personal finance education on saving, investing, and strategies for debt repayment. She has been featured in national publications, including Forbes, Kiplinger, Business Insider, and Bloomberg Opinion, and received her law degree from the Benjamin N. Cardozo School of Law.