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Last Updated:Wed., Nov. 3, 2010, 11:24am









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Story

Lose excess debt by dieting

By SHEILA MULLAN

Comment Last Updated: 4:41 AM, October 31, 2010

Posted: 10:26 PM, October 30, 2010

Comments: 0

Like 14 people like this.



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Financial expert Susan Hirshman, author of the ironic "Does This Make My Assets Look Fat? A

Woman's Guide to Finding Financial Empowerment and Success," knows some women might not

want to read about personal finance, so she wrote a book about something women are familiar

with: dieting.



The result is top-flight advice. Imagine a banker with world-class credentials sitting down at your

kitchen table to hold your hand, offer you tea and sympathy and set up your financial life,

savings, retirement, insurance and tell you how to keep it all going. Hirshman has the CPA, MBA,

Certified Financial Planner (CFP) and CFA credentials and worked at a top accounting firm, and

most recently was a managing director at a global investment bank. But she recently left the bank

to embark on her mission to educate women (and men!) on how to manage their own money. "I

left to live my passion," she said.



Now she likens money to being on a

diet. Just the way the scale won't lie,

neither will your checkbook, so it's best

to overcome one's financial fear, cut

down credit-card debt and create a

financial plan with saving and retirement

goals. Both women and men should

both be aware of what's going on in their

financial lives, and create a financial

plan.



"I have seen bad things happen to too

many good women and too many good

men, also," said Hirshman. "Don't be

part of the 'if-only' club. Especially

during the financial crisis, people said, 'If

only I knew my husband was invested

so aggressively,' or 'if only I knew that I

should not have been spending so much

money.' All of us have stories. But it's

not fun to be part of the 'if-only' club. It's



Post

Pics

painful. And to me, personal finance is

all about having choices, now and in the Today in Pictures

future."



For example, just the way that too many

potato chips will catch up to your

waistline, so will too much credit-card

usage: Eventually "you will have to

make really tough, unfortunate choices,"

she said.



She maintains you could set up your

mutual fund retirement investment

strategy in about 10 hours through her

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And the detailed goals quiz alone is

worth the book price. She also salts

financial advice with humor: New Yorkers who feel they don't need to save for retirement because

they might be dead by then due to a partying lifestyle should know that many who once felt that

way lived into their nineties.



"It's never too early to begin a financial plan, and it's also never too late," she said.



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