The 9 Steps to Financial Freedom: Practical and Spiritual Steps So You Can Stop Worrying

Version: Abridged
Author: Suze Orman
Narrator: Suze Orman
Genres: Business & Economics, Fiction & Literature, Finance
Publisher: Random House Audio Publishing Group
Published In: November 1998
# of Units: 3 CDs
Length: 3 hours
Tell Your Friends:


From the nuts and bolts of managing money to the deep psychological and even spiritual meaning it has in our lives, this personal finance audiobook shows everyone, even complete novices, how to take control of their money.

Suze Orman is a certified financial planner, a retirement specialist and registered investment advisor.

Orman begins with the insight that managing money is fare more than a matter of picking the right investments of getting out of credit card debt.

To get control of our finances, we must first get control of the feelings about money that arise from our earliest experiences with it.

Next comes Orman's clear, easy-to-follow advice about the practical importance of understanding and utilizing investments, retirement plans, insurance, and credit.

Finally, Orman reveals why true financial freedom lies not in amassing wealth, but in realizing that we are worth fare more than our money.

Reviews (11)

the 9 steps to financial freedom

Written by Alma Medina from Pemberton, NJ on August 21st, 2007

  • Book Rating: 5/5

i like suze orman. she gets right to the point to make life a little better financially. i already had it in tapes but i didn't mind listening to her again.

Small doses

Written by Shane Nixon from Burlington, NC on April 3rd, 2007

  • Book Rating: 1/5

I can deal with (VERY) small doses of Suzie Orman. This isn't a small dose. Not for me.

Just Terrible

Written by Jay Barnes from Hightstown, NJ on February 10th, 2007

  • Book Rating: 1/5

I have never reviewed an audio book before, though I have received and enjoyed several. This book was so bad that it forced me to come on here to malign it. A huge part of this book is all about "feelings" and whatever the hell, not about actually managing your money and getting out of debt. I suppose there is something for everyone, but this was not for me. I'd imagine this would be the sort of thing that would appeal to the Oprah Winfrey crowd, but that is not me, so in a way, it's probably my own fault for even bothering to check this out. I concede to that. Having looked ahead to the third disc and realized that there is a chapter entitled "The Dharma of Money" I decided to simply return the CDs instead of throwing them out the window. Regardless, if you're analytical minded, this is not the book for you -- if you like to soak in the bathtub, eat milano cookies and cry, then maybe it is.

Very Useful Book

Written by Single in California from Mountain View, CA on December 14th, 2006

  • Book Rating: 3/5

Suze Orman explains clearly how to get out of debt and build wealth over time. As a woman who had just gotten divorced, I found it very helpful. My husband had handled most of the finances, and I desperately needed to learn how to become financially self-sufficient.

9 Steps To Financial Freedom [abr]

Written by Anonymous on April 14th, 2006

  • Book Rating: 2/5

I didn't learn much new. The book was probably better.

About responsibility and freedom from meney fears

Written by Angela Wilson on August 22nd, 2005

  • Book Rating: 3/5

I found this book to be useful in that it discusses the fact that many people have a fear about and stress around money (or the loss of money). It offered a reality check that no matter how much money you have, you will always have that fear unless you change it. The second most useful tool is teaching us to have respect for our money (eg. wearing that expensive shirt only once, or buying too many groceries that you have to throw the food out as it went bad before you could eat it, etc). For those you are knowledgeable about the concept of 401Ks and general retirement planning, the first two CDs will only offer you the above tips. The last CD speaks more about mutual funds and other investment opportunities that are available to you in which I was unfamiliar with the details and therefore I learned the most from the 3rd CD. Next, I will be shooting for the "..Young, Fabulous and Broke" as I think that may offer more information on ridding yourself of debt.

9 Steps To Financial Freedom [abr]

Written by Anonymous from Tallahassee, FL on June 21st, 2005

  • Book Rating: 3/5

This book was OK. It did offer some helpful hints. The paper book version probably would have gone in more depth. I feel this would have been a plus.


Written by Elizabeth L. on May 23rd, 2005

  • Book Rating: 5/5

This was a very informational book! The author was very easy to listen to and she used great examples about investments. I went right out and increased my 401K to the maximum amount :) !! You won't be disappointed.

9 Steps to Personal Responsibility

Written by Anonymous from Roscoe, IL on February 12th, 2005

  • Book Rating: 5/5

Ms. Orman gives you realistic ideas and ideals for taking personal responsibility for not only your financial future, but your life. It has become all too common to blame our money woes on somebody else, file bankruptcy and start the cycle again. Ms. Orman gives practical ways to put money management to work.

9 Steps Plus Religious Philosophy

Written by Heather Brooks on November 22nd, 2004

  • Book Rating: 3/5

The steps recommended in this book are right on for the average person. The steps are too conservative for myself, but still good guidelines to follow and I believe that if strictly followed, one could gain financial freedom. However, I was disappointed by the Eastern religion references and practices in the 3rd disc and became so fed up that I decided not to finish the book.

Author Details

Author Details

Orman, Suze

A two-time Emmy Award-winning television host, New York Times bestselling author, magazine and online columnist, writer/producer, and motivational speaker, Suze is undeniably America's most recognized expert on personal finance.

Suze Orman has been called "a force in the world of personal finance" and a "one-woman financial advice powerhouse" by USA Today. A two-time Emmy Award-winning television host, New York Times mega bestselling author, magazine and online columnist, writer/producer, and one of the top motivational speakers in the world today, Orman is undeniably America's most recognized expert on personal finance.

Orman has written six consecutive New York Times bestsellers: Women & Money; The Money Book for the Young, Fabulous & Broke; The Laws of Money, The Lessons of Life; The Road to Wealth; The Courage to Be Rich; and The 9 Steps to Financial Freedom, as well as the national bestsellers, Suze Orman's Financial Guidebook and You've Earned It, Don't Lose It. In addition, she has created Suze Orman's Identity Theft Kit, FICO Kit, Will & Trust Kit, Insurance Kit, The Ask Suze Library System and Suze Orman's Ultimate Protection Portfolio.

Orman has written, co-produced, and hosted six PBS specials based on her New York Times bestselling books, and is the single most successful fundraiser in the history of public television. In 2004 and 2006 Suze won two Daytime Emmy Awards in the category of Outstanding Service Show Host for her PBS specials. Orman is a contributing editor to “O” at Home as well as “O”, The Oprah Magazine in the United States as well as the South African edition. She has a syndicated column called Women & Money, writes a bi-weekly column, Money Matters, on Yahoo! Finance, and a bi-monthly column for the Costco Connection. Orman hosts the extremely popular and award-winning Suze Orman Show, which airs every Saturday night on CNBC and on XM & Sirus radio, and also hosts the Financial Freedom Hour on QVC television.

Over her television career Orman has won more Gracie awards (5) than anyone in the 33 year history of these awards. The Gracie’s recognize the nation's best radio, television, and cable programming for, by, and about women. In 2003 Orman garnered her first Gracie for "The Suze Orman Show" in the National/Network/Syndication Talk Show category, won her second and third Gracies in the Individual Achievement: Program Host category in 2005 and 2006, won her fourth and fifth Gracie for “The Suze Orman Show” in the Outstanding Talk Show category in 2007 and 2008.

In October 2008 Orman will be the recipient of the National Equality Award from the Human Rights Campaign. In May 2008 Time’s Magazine named Orman as one of the TIME 100, The World’s Most Influential People. In April 2008 Orman was presented with the Amelia Earhart Award for her message of financial empowerment for women, the Amelia Earhart Award is presented annually to a woman who embodies Earhart’s pioneering spirit and who has significantly contributed to the expansion of opportunities for women. In November 2006 Orman was the inaugural recipient of the MS Spirit Award, recognizing her support of the Society over the past five years toward finding a cure for multiple sclerosis. She received a 2003 Crossing Borders Award, which are given by the Feminist Press to recognize distinguished women who not only have excelled in remarkable careers, but have also shown great courage, vision, and conviction by blazing new trails for women in their fields. A 2003 inductee into the Books for a Better Life (BBL) Award Hall of Fame in recognition of her ongoing contributions to self-improvement, Orman had previously received the 1999 BBL Motivational Book Award for The Courage to Be Rich. In 2002 Orman was selected as one of five distinguished recipients of the prestigious TJFR Group News Luminaries Award, which honors lifetime achievement in business journalism.

The top female motivational speaker in the U.S in 2007 according to Business Week Magazine, Orman has lectured widely throughout the United States, South Africa, Asia, and Canada to audiences of up to 100,000 people. She has been featured in almost every major publication in the United States, and has appeared numerous times on The Oprah Winfrey Show, Larry King Live, The View, and the Today Show.

Orman recently partnered with Avon Product, Inc. to be their special personal financial advisor to Avon Representatives to offer money management advice and strategies for success. A first of the kind in direct selling industry, the program launched in January 2008 to the company’s nearly 500,000 Avon Representatives in the U.S., with plans to expand globally in the future.

Orman, a CERTIFIED FINANCIAL PLANNER™ professional, directed the Suze Orman Financial Group from 1987-1997, served as Vice President of Investments for Prudential Bache Securities from 1983-87, and from 1980-83 was an Account Executive at Merrill Lynch. Prior to that, she worked as a waitress at the Buttercup Bakery in Berkeley, California from 1973-80.