Thursday, April 25, 2013

Millionomoics: My Journey to Financial Freedom by Shiv Verma Review

Title: Millionomics: My Journey to Financial Freedom
Author: Shiv Verma
Genre: Advice/Finance
Price: $2.99 or FREE for Prime Members
Rating: 4 out 5 stars

Book Synopsis:

It is the true story of a common man’s journey to becoming a millionaire after his arrival in the United States—the story of a man who started from ground up to gain financial freedom in a new land. This book is short and practical volume about living well and saving smartly.


Shiv Verma illustrates how to create a successful financial model based on simple and educated decisions. This book walks the reader through a model based loosely on the lessons Shiv’s father taught him before he passed away. Shiv explains how he modified and replicated his father’s model into something he now calls the “smart savings model” and shows how it can be recreated in a variety of environments. By maintaining the strong and adaptable system of "smart savings" and finding your own personal "commit force,” you can be on the path to achieving financial freedom sooner than you expected.

Millionomics is an easy to read book that can be finished in a single sitting. Readers of all ages, regardless of where they stand financially or what their goals are, will leave with a new perspective on how to save more money without sacrificing a high quality of life. Shiv teaches readers how to set practical goals and prepare for the unexpected events that throw life off course at times. He takes you on a year-by-year journey and uses his own life and spending as a concrete example of how he became a millionaire by simply saving. This book proves that with planning and conscious spending, wealth is not an unattainable goal!

With this book you can identify your “commit force” and start your journey today. There are no tricks or gimmicks, no magic, no shortcuts here—just an easy to follow concept and some inspiration. You will learn how to save wiser, spend more consciously, and invest smartly. Are you ready for a change?


Finances are a passion of mine. I have written about them regularly over the past 7 years of my career as a freelance writer. When I was given the opportunity to review Millionomics by Shiv Verma, I was immediately interested in the subject matter. Verma provides a true account of how he gained a net worth of $1 million in just 14 years.

I've read many financial books over the years and many rehash the same material over and over again. I was pleased to see that this book had something new to offer. Not only did I learn about whole life insurance, which is something I plan to invest in soon, but it was refreshing to see the viewpoint of someone raised in India. As an American, I was raised with ideas that are somewhat different from those of Verma. Americans focus more on bigger and better, rather than what we actually need. This leads many of us to live our lives in debt, many times it's incredibly staggering debt that weighs us down both financially and emotionally.

Reading this journey opened my eyes to new ways of thinking. While I may not be able to follow through with every bit of advice, something that stuck with me was the author's statement about how there's never a perfect time to start saving money and that I just need to go ahead and do it. It's true. There will always be bills and no time will be just the right moment to make a change.

I highly recommend Millionomics to anyone who wants to stop living in debt and reach for that goal of being a millionaire.

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