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Because budgeting sucks... but so does being broke.

I lay out a 12-Step Plan in which I share my experiences—mistakes and all—of getting my own finances in order. Money is typically an “off limits” conversation, but nothing is off limits here.

Do your eyes glaze over just thinking about the mumbo-jumbo language of finance?

Do you break out into hives when faced with getting your financial life together?

Well, sister, you are not alone.

I wrote Rich Bitch because it’s the finance book I always wanted but could never find. Everything I read to try and learn the language of money was written in a confusing way, full of jargon. I found myself needing the definition for the definition! I knew there had to be a better way to have a conversation about the most important topic of our lives, that touches every single part of it. That’s why I disrupted the personal finance section of the book store by talking to you as a friend (who swears a lot, because I do) rather than a lecturer.

I created a simple 12-step plan to get your financial life together because I believe you can tackle overwhelming topics (like this one!) only by breaking it down into smaller, more digestible chunks. Along the way I share my own experiences—mistakes and all—so you can laugh at me, laugh with me…I don’t care, as long as you are smiling when you think about finances. Money is often an upsetting, anxiety-provoking, “off-limits” conversation…but nothing is off limits with me!

I really wanted to rethink every piece of financial “wisdom” you’ve ever heard. Sure, there are some hard-and-fast rules about finance, but when it comes to your money, the only person who can tell you how to spend it is you. Should you buy a house? Maybe not. Should you splurge on that morning latte? Likely yes.
Instead of focusing on nickel-and-diming yourself, I believe in investing in yourself so you don’t have to stress over the little things. But, in order to do that you have to be able to speak the language of money. After all, money is a language like anything else, and the sooner you can join the conversation, the sooner you can live the life you want.

I hope Rich Bitch rehabs whatever bad money habits you might have and provides you with a plan that you can not only sustain, but also thrive on. You won’t feel deprived but rather inspired to go after the rich life you deserve, and confident enough to call yourself a Rich Bitch, a women who has control of her life in all ways and lives it on her terms.

There are six bitches who are always broke.

1

Bitches who don't have a spending plan

I’ve said it before and I’ll say it again: write it down. Having a mental Spending Plan is about as good as having no plan at all. Jot down every single little thing you spend your money on so you can really get a feel for the bigger picture.

2

Bitches who don't have a savings (in the, ahem, bank)

You might think you're making bank, but if you regularly blow your entire paycheck and have no savings to back it up, guess what? You're back to zero. Reframe the way you think about savings as being part of your spending plan. Yes, savings is really just spending on your own future well-being.

3

Bitches who don't pay on time

Making late payments isn't just idiotic for the way it impacts your credit score; it also comes with a price tag. Whether it's your credit card bill, phone bill, utilities, rent — you name it — there is almost always an additional fee for late payment. Smart bitches know that being late to the bill-paying party is never fashionable.

4

Bitches who lack ambition

Start freeing yourself from the anxiety of saving so much by...making more. Yes, I know, that's easier said than done, but if you start coming from a place of aspiration instead of desperation, you will change the way you look at your money. Think of making more, not spending less, as your best weapon against going broke.

5

Bitches who are unhappy

Women joke all the time about retail therapy, but it's really just a euphemism for overspending. Bitches who are unsatisfied with their careers are more likely to impulse spend to try to fix it, which — of course — only leads to more unhappiness once those bills add up. Find therapy in something else you love to do and focus your leisure time on that.

6

Bitches who care too much

This is a tricky one. You know how I feel about charity work, and I want nothing more than for my bitches to be compassionate members of society. But this becomes a problem when you put others' needs before your own. The brutal reality is that you need to help yourself financially before you can help others. So instead of dumping a disproportionate amount of your paycheck into your favorite charity, volunteer your time and energy. Spending the day cleaning up a community garden or volunteering at your local animal shelter makes you feel good, has an impact on your community and costs zero dollars.

The 12 step solution

"It's time to get it together - and get it all!"

Step 1

Stop Smiling and Nodding

Embrace the Rich Bitch Attitude

Step 2

Hello, It's a Marathon and a Sprint

Get a Grip on Your Future

Step 3

Your New LBD

Create a Little Budget Diary That Fits YOU

Step 4

Put a Roof On It

Home Is Where Your Stuff Is

Step 5

Eat, Pray, Drive

Transportation, Food, Insurance and Other Essential Expenses

Step 6

Get That Monkey Off Your Back

Paying Down Debt

Step 7

Lock It Up

Saving Sucks but So Does Being Broke

Step 8

Work It, Bitches

Put Your Career in Overdrive

Step 9

Aging Gracefully

You Will Get Older - Do It in Style

Step 10

Make It Grow, Baby, Grow

Investing Is Just Not That Serious

Step 11

Being Under, Over and On Top of "The Man"

Rich Bitches in a Man’s World

Step 12

Bringing It Home

Your Life Is Your Business

I'm sold. Order now.
  • Dr. Mehmet Oz

  • Sanjay Gupta

  • Alexis Maybank

  • Mike Perlis

  • Stacy London

  • Neil Blumenthal and Dave Gilboa

  • Alli Webb

  • Nigel Travis

  • Randi Zuckerberg

  • Kristi Yamaguchi

  • Tory Johnson

  • Josie Natori

  • Kate White

  • Alyssa Milano

  • Karen Finerman

  • Wendy Williams

  • Mindy Grossman

  • Rebecca Taylor

  • Let Nicole be the doctor for your financial health and you will feel better in more ways than you’d think.

  • A financial diet is like a regular diet: if you allow yourself small indulgences, you won’t binge later on. Nicole offers you a plan you can stick to.

  • Nicole does a fabulous job educating people about money while always keeping it fun and entertaining.

  • Lapin’s unfiltered, energetic advice speaks to anyone taking aim at their own career destiny.

  • Rich Bitch is the manual for a new generation of women who want both job stability and financial peace of mind.

  • Nicole delivers expert financial advice straight up, no chaser, in a tone that’s as lively as it is likable.

  • If you’re a woman and you like money, you need to read this book. Immediately. You can’t afford to miss this one, ladies!

  • Nicole brings to life in a highly readable way the real pitfalls and solutions of financial life in a more complex world.

  • Whether you want to take over the world or just balance your check book, Nicole gives you the tools to save, spend, and succeed.

  • I wish I had Nicole’s book when I was starting my business. She makes business and finance feel accessible but does it in a sassy, humorous way. It’s a must have for any budding entrepreneur.

  • Women will talk about — and ask for — absolutely anything, except money. Time with Nicole and her no-nonsense advice will change that for good.

  • It’s empowering to see an independent, strong woman as the voice of the financial industry. Nicole is truly inspiring and shares essential tips for women who want to take control of not only their bank accounts, but also their lives.

  • Having the life you want isn’t just about managing your career brilliantly. It’s about getting control of your finances—starting RIGHT NOW. Nicole’s sassy, smart, and super-easy- to-digest book will help you do exactly that.

  • What I love about Nicole is that you don’t need a dictionary to understand her advice. It’s crystal clear, straight up and spot on.

  • Rich Bitch gives a brash tutorial for women looking to take their share in today’s bleak economic climate. Ever astute, Lapin leads the way brilliantly!

  • Nicole’s advice is a swift kick in the pants to the young, ambitious, upstart women out there who want control over their lives, debts, and careers.

  • Rich Bitch should be mandatory reading for every young professional woman who wants to take control of her financial destiny. Lapin provides unfiltered, brilliant advice to a generation of women taking aim at their own success and wealth.

  • Rich Bitch is essential reading for 21st century women wanting to rise to the top of the economic ladder. Everything that you need to know is in here, all of it said with the wit and confidence we’ve come to expect from Nicole.

The Rich Bitch Guide to Love & Money.

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Rich Bitch guide to love and money

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