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A New York Times bestseller and one of the Ten Best Business Books of 2013 by WealthManagement.com, this book brings a new vision of the value of debt in the management of individual and family wealth
In this groundbreaking book, author Tom Anderson argues that, despite the reflex aversion most people have to debt — an aversion that is vociferously preached by most personal finance authors — wealthy individuals and families, as well as their financial a
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Book ID Asin: B00E7Z5CI4
Book Title: The Value of Debt: How to Manage Both Sides of a Balance Sheet to Maximize Wealth
Book Author: Thomas J. Anderson
Book Format and Price:
Book Format Name: Kindle
Book Format Price: $24.00
Book Format Name: Hardcover
Book Format Price: $16.32-$35.99
Book Price: $18.64
Book Category: Kindle Store, Kindle eBooks, Business & Money and unknown
Book Rating: 78 ratings
The Value of Debt: How to Manage Both Sides of a Balance Sheet to Maximize Wealth by Thomas J. Anderson Book Review
Name: Rufus Lefbetter
Rating: 4.0 out of 5 stars
Title: Debt is Not Just a Four Letter Word
Date: Reviewed in the United States 🇺🇸 on December 23, 2013
Review: “The truth is, we live in a world that tends to have two types of people: those who are very highly leveraged and take on way too much debt and those who are totally debt adverse and don’t have any debt whatsoever.” Tom Anderson from The Value of Debt
Reading the previous quote, you may wonder how anyone could expect to sell a book written on the idea that personal debt can be a good thing. If you’re like me, right about now you may be hearing the voice of financial radio guru Dave Ramsay or a penny pinching elder lecturing you that all debt is bad, rotten, and evil. Debt is not just a four letter word but for many a conditioned negative response. Blame our lingering, unresolved federal budget deficit or the throngs of people who lost fortunes in our recent economic crisis.
Wealth manger and author Tom Anderson’s challenge is to convince us that if approached correctly, debt, as it is for businesses can be leveraged for the better good. His recently released book The Value of Debt takes the fundamental concepts of debt that many companies use every day and applies them to personal finance.
Anderson takes the first few chapters to lay the groundwork for his work. He begins by laying out Five Tenets (or Action Principles) of Strategic Debt Philosophy which include the adoption of a holistic approach, exploring the idea of thinking like a company, understanding you limitations, finding you optimal personal debt ratio, and staying open minded. The fundamental problem here is that individuals who will find debt enticing are also the ones who shouldn’t be playing around with debt in the first place.
At this point I have to provide my own disclaimer for this book review: I am not a financial advisor, I do not play one on TV and well…you know the rest. Fortunately, The Value of Debt cautions readers multiple times throughout the book that most of the discussed strategies should be discussed with a qualified financial advisor.
Anderson makes it clear from the start that one has to have accumulated financial assets and a limited debt in order to leverage those same assets with favorable rates and terms. Anderson spends time early in the book introducing this concept of an “asset-based loan facility” or “ABLF. In layman’s terms this is borrowing against your own investment accounts. These are usually non-retirement funds that have a value of $200,000 or more. It is then possible to borrow against these assets at rate of interest that is favorable to a bank loan (and without amortization or loan fees of a traditional loan).
Anderson goes on to explain that the direct costs (high priced capital, lower credit rating) and indirect costs (worry, stress, diminished lifestyle) of financial distress can be minimized with the availability of ABLF funds. In other words, using debt properly can provide the liquidity and flexibility to lessen the impact of unforeseen events and provide money for opportunities that may come along. Andersen applies his idea of incurring low impact debt to the purchase of a second-home, the purchase of a car, handling a financial windfall, working out a divorce situation, assisting with the care of elderly parents, and producing retirement income.
Even if you are not in a position to take advantage of the strategies prescribed in The Value of Debt, the author does a good job of laying out basic personal finance principles so people can position themselves going forward. Although there are parts of the book where readers wade through detailed financial verbiage, Anderson does a good job keeping the narrative interesting and conversational and includes well explained diagrams that make sense of it all.
Name: Sarah C
Rating: 4.0 out of 5 stars
Title: Finally! How I can use debt to my advantage.
Date: Reviewed in the United States 🇺🇸 on September 5, 2015
Review: Great if you have money but not if you are looking for ways to make more money. If you need to have more than one million in assets in order to benefit then it’s a bit off on advice there. The good news is that debt is not all 100% bad. I’m working to deal with my private student loan debt but will have my government student loans to pay in the future for a while. The methods to leverage debt are interesting but not public knowledge in the sense that it’s easy to type into a search engine. I would not have known what an Assets-Based Loan Facility (ABLF) was let alone that I would want one in the future.
The way Mr. Anderson talks about debt in general is refreshing and interesting instead of me having to listen to elderly coworkers whine about my “generation of selfish, lazy, poor entitled brats”. This isn’t a dry, dull book that just cites numbers page after page… Okay he does have numbers and formulas for you to review but they are useful in one way or another. For instance if you are looking to get a loan you need to calculate your debt-to-income ratio. The formula can be searched but he tells you what to do with that ratio! Why not going into a deal knowing your bargaining power from the beginning? Learn your FICO score and keep tabs on your credit reports too.
In a world where the markets shortchange people and younger generations have to compete on a global scale this book is a useful tool in many respects and I’m glad I have it. Everyone needs to be more financially savvy and I think this book is a handy reference tool to have. One of my new goals is to not just pay off student loan debt but to save for and set up an ABLF. Saving and investing for retirement is always good but if I can invest in debt in a good way I’m better off no matter what. Mr. Anderson helps you distinguish between good and bad debt which is vital since most Americans view all debt as bad. I used to be one of them.
You treat your household like a corporation and check your budget. I do like that he offers several instances in which you can manage debt but I would say most people are worried about the kind of debt you need to get rid of and not look at the kind of “good” debt you are (or may want to “invest”) in. Private student loans = bad debt. Federal student loans = good debt (provided you are managing them correctly). It’s a great way to evaluate purchases and to check which debt you have as being something you can leverage or avoid altogether.
Even if you aren’t a millionaire I think the book is worth reading and keeping because things change and after having read the Millionaire Next Door I think this book would be the second one to read since it’s very practical for today’s market. Work your butt off, save and invest that money, then wisely choose the debt that works best for you to leverage. I really like that debt can be added instead of seen as something to avoid completely since it’s just impossible to do in the 21st century.
Name: Mary V Seneker
Rating: 4.0 out of 5 stars
Title: A Lot to Absorb!
Date: Reviewed in the United States 🇺🇸 on September 27, 2013
Review: This book is very complex reading. The author brings concepts from corporate finance to personal finance. However, I think it could have been “dummied down” just a bit more to attract the common reader. This author explains why and how debt should be an important tool in personal financial management in the sense of how a “balance sheet” should ultimately function. This book challenges the conventional wisdom that all debt is bad.
Several financial experts have written positive reviews of “The Value of Debt”: Anderson uses a holistic approach and provides an assortment of visual “tools”, checklists, summaries, etc. In fact, it’s possible to learn a lot just by leafing through the book, looking at the visual highlights included therein. He also uses provocative questions to get the reader into a thoughtful mode regarding his/her finances. Now I truly get the balance sheet concept and the fact that credit and debt are on opposite poles. In his book, Thomas Anderson fully explains How to Manage Both Sides of a Balance Sheet to Maximize Wealth. I learned a lot, and will never look at debt the same way again.
Name: R. Fuchs
Rating: 5.0 out of 5 stars
Title: Contrarian take on debt that is worth learning about
Date: Reviewed in the United States 🇺🇸 on January 14, 2015
Review: Americans tend to strive to be debt free as soon as possible. The book suggests that there is a better way to approach your financial situation and that is to maintain an overall debt ratio of about 25% (like virtually every major corporation in the US does). That frees up money to save and invest in other ways, which leads to more flexibility from a financial perspective.
The strategies and ideas in he book are definitely not for everyone (which the author acknowledges on more than one occasion) but I would recommend the book to everyone, as it raises some interesting ideas and new ways to look at debt and equity (even if you never implement the strategies outlined).
