Don't Have Sex 9 Months Before Christmas: and Other Practical Financial Tips

5 Star Review

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Editorial Book Review:

By SM Harrison

It's not always easy to read books about money because they can be dry or too much detail. It gives good advice on money matters while also being funny, honest, and helpful. This makes the subject feel manageable. To talk about money with this author is like talking to a smart friend who isn't afraid to tell you the truth because they want what's best for you. From buying a house to putting money away for retirement, each chapter includes real-life examples and doable steps that make financial security seem more attainable than scary.

What stood out the most was the way humor was woven into the lessons. The book offers a flexible approach to financial planning, rather than the normal strict dos and don'ts. It views it as a series of choices, each with its own set of outcomes. The advice is concise and straight, but it never sounds condescending. There are problems with managing money, and the book offers practical solutions instead of unrealistic goals. Stressing balance—enjoying life while also being smart with money—is a nice change.

Another strength of the book is its ability to make long-term financial planning feel relevant and urgent without resorting to fear tactics. These real-world tips on how to save money, trade, and deal with debt can be used right away. Sticking to a budget or cutting costs isn't enough. It's time for you to change how you think about money and take care of your future money. It's easy to understand even more complicated parts of finance because the writing style makes things interesting.

This book is perfect for anyone who wants to get serious about their financial future but doesn’t want to feel lectured or overwhelmed. Whether you’re just starting out or looking to improve your current financial situation, the advice here is both practical and empowering. It’s the kind of book that makes you rethink your spending habits and feel motivated to make smarter choices, all while having a few laughs along the way.

About the Author

RoseMarie Keogh-Smyth

Rosy, also known as The Mortgageless Mentor, is on a mission to help action-takers build a rock-solid financial future while still living fully in the present. Whether it’s achieving home ownership, growing savings, reaching mortgage freedom, or preparing for retirement, Rosy leads the charge with a fresh approach to money management that blends debt elimination with savings strategies.

Rosy’s financial journey began at 16 when she moved out, paying bills, finishing high school, and heading off to university—where she, like many students, relied on loans to make ends meet. While living on student loans, she made some poor spending decisions, prioritizing wants over needs, and found herself deep in debt. But when the bill came due after graduation, Rosy made a life-changing decision: it had taken her 4.5 years to get into debt, so she resolved that it would take her 4.5 years to get out. And she did.

Through her speaking engagements and mentorship, Rosy empowers others to embrace financial freedom and create a legacy of wealth that echoes through the generations. Her approach is grounded in the belief that financial success is possible for everyone, no matter where they start.