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Rich Start: how to save money, budget, invest and build wealth in your 20s. Personal finance for young adults aged 18-28. Join the early access list. Free 30-day money action plan today. Most people learn about money too late, but you can change that with RICH START Rich Start: The No-BS Money Guide for Your 20s is the personal finance guide for young adults aged 18 to 28 who are ready to take control of their money for good. Learn how to get out of debt, save money on any income. Build a budget that actually works. Start investing with whatever you have. Understand how compound interest builds wealth in your 20s automatically. Build your credit score the right way. Create an emergency fund from zero. Discover side hustle ideas that boost your income while building real skills. Financial literacy changes everything when you learn it early. Written by an award-winning Chartered Accountant and entrepreneur with 40 years of real financial experience. Be First to Get Rich Start — Get Your Free 30-Day Money Action Plan for Young Adults Today Click Here Download Get Your Free 30-Day Money Guide + Be First to Know When Rich Start Launches No spam. Just early access and practical financial guidance. What You Will Learn — 12 Personal Finance Chapters for Young Adults CHAPTER 1: Money Basics Most People Never Learn The Financial Foundation That Changes Everything CHAPTER 2: The Banking System That Protects Your Money How to Stay Safe, Flexible, and in Control CHAPTER 3 How to Earn Your First Real Money Building Your Financial Foundation Through Smart Income CHAPTER 4: How Side Hustles Accelerate Your Financial Life Build Skills, Earn More, and Expand Your Opportunities CHAPTER 5: Smart Spending Without Feeling Broke Money Management That Actually Works CHAPTER 6: The Saving Habit That Separates the Rich from Everyone Else How Wealth Is Built One Decision at a Time CHAPTER 7: Turn Your Phone Into a Wealth Machine Digital Tools That Build Money Automatically CHAPTER 8: The Power of Compound Interest Why Time Is Your Greatest Financial Advantage CHAPTER 9: Introduction to Investing How to Make Your Money Work While You Sleep CHAPTER 10: Your Credit Score: The Number That Shapes Your Financial Life How to Build a Reputation That Opens Doors CHAPTER 11: How to Stay Financially Smart for Life The Habits That Keep Your Wealth Growing CHAPTER 12: Health, Happiness, and the Wealthy Life Why Your Well-Being Shapes Your Financial Future 12 chapters covering every money skill young adults aged 18 to 28 actually need. Budgeting for beginners. How to save money fast. How to get out of debt. How to start investing. How to build your credit score. How to create an emergency fund. Side hustle ideas that build wealth. Compound interest explained simply. Financial literacy for life. Rich Start: The No-BS Money Guide for Your 20s. Written in plain English. Coming late 2026. About My name is Noreen Hynes N oreen Hynes is a retired FCA Chartered Accountant, former CEO and serial entrepreneur with more than 40 years of hands-on experience in business and finance. She is a financial literacy advocat and personal finance author who spent decades watching young adults struggle with money — not because they lacked discipline, but because nobody ever taught them how to save money, budget wisely or start investing from scratch. Rich Start: The No-BS Money Guide for Your 20s is the personal finance book covering compound interest, credit scores, emergency funds, side hustles and wealth building that she wishes had existed when she was in her 20s.Co author with the late Eugene Savage of the Award-winning Start-up Checklist for Success — winner of the Literary Titan Gold Book Award and the American Writing Award. Q: When does Rich Start launch? Rich Start: The No-BS Money Guide for Your 20s launches in late 2026. Join the early access list now at noreenhynes.com/rich-start to be first in line and receive the free 30-day money action plan today. Q: Who is Rich Start written for? Rich Start is written for young adults aged 18 to 28 who want to learn how to save money, budget, invest, build credit and achieve financial independence — in plain English with no jargon. Q: Is Rich Start based on real financial experience? Yes. Written by Noreen Hynes — a retired FCA Chartered Accountant, Enterpreneur and former CEO with more than 40 years of hands-on business and finance experience. Frequently Asked Questions First name* Email* Submit

Get the free 30-day money action plan by Noreen Hynes FCA. Learn how to save money, budget, invest and build wealth. Personal finance guide for young adults aged 18-28. Sign up free. Get Your Free " Fix Your Money Guide in 30 Days" From the author of Rich Start . Most people aren't bad with money — They've just never been shown how it actually works. This free 30-day guide gives you a simple, practical plan to organise your money, build savings and start making smarter financial decisions. No jargon. No overwhelm. Just clear steps that actually work. Get the 30-Day Money Plan

Books on personal finance for young adults and startup basics: Rich Start (coming late 2026) pStart‑up Checklist for Success. Get the free 30‑Day Money Guide and launch updates. BOOKS A Personal Finance book for young adults, due for publication in late 2026, and an Award-Winning Book on Business Startup Success Click Here Download A Personal Finance Guide for young adults and an Award-Winning Book on Business Startup Success. Whether you are a young adult learning how to get out of debt, save money, build an emergency fund, build wealth and achieve financial independence — No matter where you are on the wealth ladder this book will guide you to a sustainable long term plan that helps you build great habits and systems that help you start building wealth early. If you are an entrepreneur who needs a practical guide on how to start and run a business — Noreen Hynes Chartered Accountant and Entrepreneur and the late co author Eugene Savage Management Accountant and Business Mentor have written that book. Start-up Checklist For Success The Essentials You Need To Know which includes how to start a business, how to write a business plan, cash flow management, small business accounting with practical examples, business startup checklists, how to hire employees, business risk assessment and much more including a mock case study. For one month this book is available free in return for an honest Amazon review. Free Book Offer Check out page with free book offer COMING LATE 2026 Rich Start: The No-BS Money Guide for Your 20s. Most young adults aged 18 to 28 never learn how to save money, budget properly or start investing until it is too late. Rich Start closes that gap permanently. → How to save money on any income → How to get out of debt → How to build a budget that works → How to start investing with little money → How to build your credit score from zero → How compound interest builds wealth in your 20s → How to create an emergency fund → How side hustle ideas accelerate your finances → How to achieve financial independence early and Financial literacy that changes everything. Written by an award-winning Chartered Accountant and entrepreneur with 40 years of real financial AND entrepreneurial experience. Get the free 30-day money action plan today. Button: Join the Early Access List START-UP CHECKLIST AWARD-WINNING — AVAILABLE NOW ON AMAZON Start-up Checklist for Success: The Essentials You Need To Know You have the idea. You have the drive. What every entrepreneur needs now is the practical knowledge to make it last. Everything you need to know about how to start a business and make it last — in plain English with checklists for every stage. → How to evaluate your business idea and do your research →How to write a business plan that works → How to find startup funding and investors → How to manage cash flow from day one → How to handle small business accounting → How to manage legal and compliance matters → Small business accounts with examples→ How to build a sales and marketing strategy → How to recruit and manage good people → How to appoint cofounders and allocate shares to them→ How to manage startup risks and opportunities → How to plan your business exit strategy → and a full mock case study is included. Co-authored by Noreen Hynes FCA Chartered Accountant and Eugene Savage Management Accountant and Business Mentor — two senior business people each with over 40 years of combined experience. Winner of the Literary Titan Gold Book Award and the American Writing Award and finalist in the Goody Business Book Award. Order on Amazon Now → Get Notified when published Commandez maintenant Amazon Book Reviews What Readers Are Saying Entrepreneurs and young adults are already transforming their businesses and finances using this award-winning book. Amazon Reviews A note to our readers To everyone who took the time to leave a review — thank you. It means more than you know. Reviews are how other readers find this book, and every one of them helps a fellow entrepreneur get their hands on knowledge that could make a real difference to their business. Finalist Winner Top reviews from United Kingdom Shane Carroll 5.0 out of 5 stars A great read. Genuinely insightful for founders serious about ensuring their new business succeeds. Reviewed in the United Kingdom on 4 April 2023 Verified Purchase As founder of a successful startup (that was eventually acquired by a major multinational) I found this to be a very sober and structured guide to managing a young business. Noreen has an incredibly clear and concise way of structuring complex topics into simple steps. In this book Noreen and Eugene didn't seek to excite you with vague and unspecific high-level strategic tips. It is a sober and accessible step-by-step guide on how to get the important details right, and make your business a success. It was this advice that certainly helped mine. 5 star, must-buy, and highly recommended. Lady Jane 5.0 out of 5 stars Best business startup book I'v read yet. Reviewed in the United Kingdom on 4 April 2023 Verified Purchase Loved the layout of this book. It was easy to read and understand and was very helpful to me and is a practical book. Would recommend this book for all business owners not just startups. Also a great book for business students. I liked that it covered so many subjects including preparing business plans, raising funding, accounting and finance and practical issues like insurance, recruiting business partners, recruiting and managing staff. Also I liked that it covered technology and smart working. Overall a fantastic book to have with you on your desk. Amazon Customer 5.0 out of 5 stars Easy to Read and a Valuable Resource Reviewed in the United Kingdom on 26 April 2023 Verified Purchase The layout of the book is easy to read and the content is straight to the point. Valuable information, anyone looking to start-up their own business should certainly digest book. Great information on protecting intellectual property. Niall Norton 5.0 out of 5 stars Excellent guide for start up success Reviewed in the United Kingdom on 7 April 2023 Verified Purchase This is a really useful, well written, guidebook for startups and even established growing businesses that want to check their compass. Very much worth a read. Amazon Customer 5.0 out of 5 stars What a fabulous book ! Reviewed in the United Kingdom on 21 March 2023 Verified Purchase Noreen has some fantastic advice on how to run a startup from the planning stages all the way to growing and selling the company. Check it out! warren sargent 5.0 out of 5 stars A great book Reviewed in the United Kingdom on 3 April 2023 Some excellent insights. Top reviews from other countries IRISH MIKE 5.0 out of 5 stars Entrepreneurship does &donts Reviewed in the United States on 16 May 2023 Verified Purchase I have read books on entrepreneurship before but this book is unique because it walks you through the business start up step by step covering everything you need to know and gives great references. It suggestsstarting your business using cutting edge technologies to give you a competitive edge.I liked the way it explained financial matters business plans and the case study was a great success J. Wallace 5.0 out of 5 stars An excellent comprehensive guidebook for starting your own successful business. Reviewed in the United States on 27 March 2023 Verified Purchase This is a valuable read for people running businesses and students who want to learn about business: many who start a new business have a great idea but need step-by-step guidance that they can rely on, especially in their first few vital years. This is a guide you can use time and time again. It protects your business from sudden unwelcome surprises and obstacles stopping growth. It includes a strategic approach, including a comprehensive business plan and a legal plan to ensure compliance with local and national regulations; insurance matters, accounting, and finance are very well covered, cash flows are explained in detail, and they are the bloodline of any business, fundraising and pitching to investors. The mock case study brings it all together. It also covers bookkeeping and accounting, which few similar books do. I like that it explains the difference between accounting profit and cash flow, which is essential to understand. It is straightforward and easy to follow and a book to keep in your bottom drawer. I recommend this book to all business people starting or running a business. Literary Titan Review "In the world of entrepreneurship, it's a known fact that a significant percentage of startups fail within their first year. The Startup Checklist for Success, authored by Hynes and Savage, serves as an invaluable guidebook for budding entrepreneurs seeking to navigate these challenging initial phases and beyond. The authors have artfully distilled the essence of entrepreneurship into digestible components, emphasizing the importance of a solid foundation and detailing each step, from personal development and idea-pitching to financial management and operational nuances. The strength of this book lies in its blend of fundamental business principles, practical insights, and often overlooked information critical for long-term success. Hynes and Savage masterfully render intricate business concepts into accessible language, providing clear and concise illustrations for understanding the company's accounts. It's akin to a comprehensive textbook for entrepreneurship, offering an assortment of strategic advice and nuggets of wisdom. The Startup Checklist for Success endeavors to be an entrepreneur's trusted companion throughout their business journey. It is a compendium of diverse yet essential information, encapsulating hard skills such as bookkeeping and calculating break-even points, along with softer elements like managing one's ego and understanding the necessity of reevaluation in the face of failure. It has the unique ability to decode complex financial concepts into simpler terms, thereby enabling entrepreneurs to grasp the pivotal aspects of their venture. The authors' strategy of condensing complex subjects makes the content more accessible to readers. They offer a helpful overview of potential accounting hurdles an entrepreneur might encounter without intending to deliver exhaustive instruction on creating accounting books. This book is a great tool for anyone involved in a business venture, whether in the idea stage, recently established, or long-standing. It is a practical guide to the entrepreneurial world, presenting the author's first-hand experiences and implicitly conveying their tacit knowledge. Although it doesn't promise to instantly metamorphose the reader into a business expert, it certainly addresses critical questions pertaining to the establishment and operation of companies. In a landscape where not everyone has access to mentorship from a successful businessperson, The Startup Checklist for Success provides the necessary guidance and wisdom that every entrepreneur can benefit from."- LITERARY TITAN ★★★★★ Liste de contrôle de démarrage pour réussir (2022)

Contact Noreen Hynes FCA — award-winning author of Start-up Checklist for Success and forthcoming Rich Start. Available for speaking, media and book enquiries. J'aimerais vous entendre. authorhynes@gmail.com First Name Email Type your message here... Submit Thanks for submitting! Dites-moi sur quoi vous voulez en savoir plus.

Award-winning author Noreen Hynes writes Rich Start — personal finance for your 20s — and Start-up Checklist for Success. FCA Chartered Accountant. 40 years experience. Free 30-day money plan Noreen Hynes Auteur Enseigne comment démarrer une entreprise et plus encore.... Whether you are launching a business or taking control of your finances for the first time — Noreen Hynes has written the book you need. Noreen Hynes Award winning Author Startup Insights for Entrepreneurs. Personal Finance Skills for Your 20s. Real Knowledge. Real Experience. Real Results. Rich Start- The No B/S Money Guide For Your 20s For Release in Late 2026 What You Will Learn — 12 Personal Finance Chapters for Young Adults Most people never learn how to save money, budget properly or start investing until it is too late. Schools do not teach it. Banks profit from the gap. Rich Start closes it. Written for young adults aged 18 to 28, this personal finance guide covers everything you actually need: How to build an emergency fund from zero. How to save money on any income. How to build a budget that actually works. How to start investing with whatever you have. How to build credit and avoid debt traps. How compound interest helps you build wealth and achieve financial independence in your 20s. How side hustles accelerate your finances. How to build good habits and syatems that help you build long term wealth. No jargon. No judgement. Just financial literacy that changes everything when you learn it early. Join the early access list now and get the free 30-day money action plan today. Click Here Download Get Your Free 30-Day Money Guide + Be First to Know When Rich Start Launches No spam. No selling your data. Unsubscribe any time. Just early access and free personal finance guidance for your 20s. Liste de contrôle de démarrage pour le succès (2022) Start-up Checklist for Success vous apprend comment démarrer une entreprise etvous aide à être l'une des réussites. Les auteurs écrivent à partir d'une expérience de première main acquise au cours de quarante années d'expérience pratique. You have the idea. You have the drive. What every entrepreneur needs now is the practical knowledge to make it last. Everything you need to know about how to start a business and make it last.This award-winning business startup guide walks you through every stage of building a business — from your very first idea to your exit strategy — in plain English with checklists you can act on immediately. Commandez maintenant Amazone Your Questions Answered Q: What is Rich Start about? Rich Start: The No-BS Money Guide for Your 20s is the personal finance guide for young adults aged 18 to 28. It covers how to save money, budget on any income, build credit, start investing and achieve financial independence. Coming late 2026. Join the early access list today. Q: How do I save money in my 20s? Rich Start covers exactly this — from building a budget that works on any income to saving habits that build wealth through compound interest over time. Join the early access list at noreenhynes.com/rich-start. Q: What does Start-up Checklist for Success cover? Everything an entrepreneur needs — how to write a business plan, find startup funding, manage cash flow, handle small business accounting, legal compliance, marketing and exit strategy. Award-winning. Available now on Amazon. Q: Who is Noreen Hynes? Noreen Hynes is a retired FCA Chartered Accountant, former CEO and serial entrepreneur with more than 40 years of real business and finance experience. Award-winning author of Start-up Checklist for Success and forthcoming author of Rich Start: The No-BS Money Guide for Your 20s. Q: How do I get the free 30-day money guide? Go to the Free Money Guide Page click here Free Money Guide Page À propos de Noreen Hynes Je suis un comptable agréé à la retraite et un ancien PDG et directeur financier qui a décidé de quitter l'échelle de l'entreprise en 1999 lorsque mes enfants étaient à l'école secondaire. Je suis également l'épouse de Declan, un directeur d'entreprise à la retraite, la mère de trois merveilleux enfants adultes et la grand-mère de quatre beaux petits-enfants qui m'apportent tant de joie.

For a limited time, get a free PDF of the award-winning Start-Up Checklist for Success by Noreen Hynes FCA — just leave an honest Amazon review in return. Free copy of Start-up Checklist For Success First Name Last Name Email Send Send Me My Free Copy Frequently Asked Questions Is the Start Checklist for Success free? Yes, during a promotional period, Noreen Hynes is offering a free PDF copy in exchange for an honest Amazon review . What is the Start-Up Checklist for Success about? It's an award-winning guide co-authored by Noreen Hynes and Eugene Savage, covering all stages of a business startup. What awards the book won? It has won the Literary Titan Gold Award and the American Writing Award, and was nominated for the Eric Hoffer Book Award and a finalist in the Goody Business Awards . HOW TO LEAVE AN AMAZON REVIEW Start-Up Checklist for Success Thank you for reading Start-Up Checklist for Success. If you found it helpful, an honest review on Amazon would mean a great deal to me. It takes about two minutes and makes a real difference for a self-published author. Here is exactly how to do it. BEFORE YOU START Amazon has one rule for everyone who wants to leave a review — you must have spent at least $50 on Amazon.com using a credit or debit card within the past 12 months. This applies to every reviewer on every product, not just this book. If you are not sure whether you qualify, simply follow the steps below. If your account does not meet this requirement, Amazon will let you know straight away, and your review will not go through. If that happens, please see the alternative option at the end of this guide — I would still love to hear from you. STEP BY STEP Step 1 — Go to the book page If you are in the United States, go to amazon.com and search: Start-Up Checklist for Success Noreen Hynes If you are in the United Kingdom or Ireland, go to amazon.co.uk and search the same title . Step 2 — Scroll down to Customer Reviews On the book's page, scroll past the description and author information until you reach the section titled Customer Reviews. Step 3 — Click "Write a customer review" You will see a button or link labeled "Write a customer review." Click it. Step 4 — Sign in if needed If you are not already signed in, Amazon will ask you to log in to your account first. Step 5 — Choose your star rating Click on the number of stars, from 1 to 5, based on your honest experience with the book. Step 6 — Write your review This does not need to be long. Two or three honest sentences are perfect. You might mention: What you found most useful in the book Who do you think would benefit from reading it Anything that surprised you or stood out Step 7 — Add a short title Give your review a brief title that sums up your thoughts — for example, "Practical and easy to follow" or "Exactly what I needed before starting my business." Step 8 — Click Submit T hat's it. Your review will usually appear on the book's page within 24 to 72 hours . A NOTE ON HONESTY Please leave a review if you have genuinely read the book and are sharing your opinion. You are under no obligation to leave a positive review — honest feedback is genuinely valuable and appreciated . IF YOU CANNOT LEAVE AN AMAZON REVIEW If your Amazon account does not meet the $50 spending requirement, that is completely understandable and beyond your control. I would still love to hear your thoughts. Please share them here instead: authorhynes@gmail.com Please let me know in your email whether you are happy for me to share your feedback publicly, and whether you would like to be named or remain anonymous. Thank you so much for reading and for taking the time to share your thoughts. Noreen Hynes B.Comm, FCA noreenhynes.com

FCA Chartered Accountant | Former CEO Serial Entrepreneur | Award-Winning Author Financial Literacy Advocate 40 Years of Real Business and Finance Experience À propos FCA Chartered Accountant | Former CEO, Serial Entrepreneur | Award-Winning Irish Author| Financial Literacy Advocate |Turning 40 Years of Financial Experience into Books Je suis un comptable agréé à la retraite et un ancien PDG et directeur financier qui a décidé de quitter l'échelle de l'entreprise en 1999 lorsque mes enfants étaient à l'école secondaire. Je suis également l'épouse de Declan, un directeur d'entreprise à la retraite, la mère de trois merveilleux enfants adultes et la grand-mère de quatre beaux petits-enfants qui m'apportent tant de joie. J'ai travaillé dans les secteurs de l'alimentation et des boissons, de l'informatique et de l'énergie au niveau supérieur de l'entreprise. Depuis 1999, j'ai fondé et dirigé des entreprises dans les domaines du marketing immobilier, de la fabrication et du conseil. Je sais à quel point il est difficile de renoncer à un emploi sûr et bien rémunéré, ainsi que l'incertitude et les risques liés au démarrage et à la gestion d'une nouvelle entreprise. Les inquiétudes quotidiennes sur la façon dont les factures seront payées peuvent être intimidantes. Ayant eu de grands succès et des échecs, je sais ce que c'est que de réussir et les déprimants de l'échec. Personne ne vous dit à quel point il est solitaire d'être le patron qui prend quotidiennement des décisions importantes et se demande si ce sont les bonnes décisions. Comment savoir si votre entreprise réussira et si vous devriez investir davantage dans celle-ci ? Comment convaincre les bailleurs de fonds de vous soutenir, vous et votre entreprise ? Comment gérez-vous votre trésorerie ? Ensuite, il y a tous les problèmes juridiques, financiers et de gouvernance de l'entreprise à gérer et à recruter de bonnes personnes, ce qui devient plus difficile chaque année. En tant que personne qui l'a fait en tant qu'entrepreneur et coach d'affaires, j'ai inclus dans ce livre les connaissances acquises en quarante ans. Toutes ces questions expliquent pourquoi Eugene Savage et moi avons écrit ce livre Start-up Checklist for Success Get Your Free 30-Day Money Guide + Be First to Know When Rich Start Launches Why She Writes Two things have always frustrated Noreen. The first is that young adults reach their 20s with no real understanding of personal finance — how to save money, budget wisely, how to avoid and get out of debt, build credit, start investing or build wealth. Schools do not teach financial literacy. Banks profit from the gap. Rich Start exists to close it. The second is that passionate entrepreneurs start businesses every day knowing how to start a business but lacking the practical knowledge of doing adequate research on their startup ideas, startup funding, cash flow management, small business accounting or exit strategy planning. Start-up Checklist for Success exists to fix that. Both books do the same thing — give readers the financial literacy and business startup knowledge that used to be reserved for people lucky enough to already have it. Book Awards Won two book awards, the Literary Titan Award and the American Writing Award, and was a finalist in the Goody Business Awards. Winner Finalist