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Where to Spend, Where to Save
A Teacher’s Guide to Managing Your Finances
Start your teaching career with strong financial habits. This practical guide offers step-by-step strategies to manage your money, reduce debt, plan for retirement, and build savings. Actionable homework in each chapter helps you build a secure financial future right from the start.
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A teacher’s financial blueprint
Author Danny Kofke provides practical tips on budgeting, saving, and spending wisely. This practical guide walks readers through foundational steps—from structuring a working budget to planning to buy a home—to help build savings, improve credit, and knock out debt. With advice on loans, insurance, and retirement, this is the go-to guide for educators to build lasting financial success.
Beginning K–12 teachers can use this book to:
- Create a working budget to facilitate comfortable living on a limited salary
- Understand how their credit score impacts their finances and how they can improve their score
- Develop effective savings to accomplish long- and short-term financial goals
- Strategize to reduce student loan debt without compromising necessary cash flow
- Plan more effectively for major future investments and significant life events
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“Danny covers about everything you need to know (from emergency funds, to leaving a legacy) in the way he usually does: simply and to the point. Thank you, Danny, for a compelling plan for educators to live a financially successful life.”
“In his book, Danny Kofke shares his experiences and success with money to create an easy to read, practical guide for improving financial decision-making. From creating budgets to planning the reader's legacy, Danny takes a subject that often makes people's eyes gloss over and instead ignites understanding and willingness to start changing bad financial habits. Awesome information that is much needed. I just wish that I had his book when I first started down my career path.”
“I thought I knew a lot about my finances—I was wrong. Thanks to Danny Kofke for educating an educator! From helpful templates to SMART goal setting on finances (wow!), this resource is useful at any stage of an educator's life.”
“Where to Spend, Where to Save is exactly what the teaching profession needs—a practical, no-nonsense guide to financial wellness written by someone who truly understands the unique challenges educators face. Kofke acknowledges the reality of teacher salaries while providing concrete strategies for maximizing every dollar. The book’s greatest strength lies in its comprehensive yet digestible coverage of essential financial topics.”
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