With over 20 years in corporate treasury - managing risk, optimizing cash flow, and navigating financial decisions involving hundreds of millions of dollars - Nilufar Salama knows what's possible when money is managed with clarity and purpose. Now leading Treasury at NFM, a Berkshire Hathaway company, she brings deep expertise in strategic financial management to everything she does.
But beyond corporate walls, she saw a different reality: smart, hard-working people feeling overwhelmed by their finances - not because they lacked discipline, but because they were never given the tools, language, or education to navigate a complex system.
Personal Treasury is her response - a practical, empowering guide designed to close that gap and bring financial clarity to people who were never meant to figure it out alone.
Whether you're young and just starting out, or older and ready to course-correct, this book meets you where you are - and helps you
rise from there.
This is not a personal finance book filled with trendy advice or abstract theories. It's a deeply practical, eye-opening guide that brings the mindset and tools of a corporate treasurer into real life. With calm authority and compassion, Nilufar equips you to think strategically, act intentionally, and stop feeling like your finances are constantly out of your control.
Inside, you'll learn how to:
- Recognize the emotional forces behind spending and shift your habits for good
- Build the right mindset around money - one rooted in clarity, not fear
- Apply proven corporate-level strategies to your everyday money decisions
- Track where your money actually goes - and how to take command of it
- Understand the true purpose of banks, credit, and financial institutions
- Make major decisions (like buying a home) with clarity, not confusion
- Protect your income, plan for the unexpected, and grow wealth over time
But more than that, you'll learn how to think differently - to move from survival mode to a position of
quiet confidence. You'll come to see yourself as your own personal treasurer: someone who doesn't just earn and spend, but builds, protects, and stewards a life of financial dignity.
By the end of this book, you will have more than knowledge.
You'll have a plan. A mindset.
A new level of power.
Whether you're just starting out, course-correcting after years of confusion, or preparing to teach the next generation what you wish you'd known sooner, Personal Treasury offers a rare combination of clarity, expertise, and deep respect for your lived experience.
This is the financial education you should have received. This is your starting point.
Think smarter about money, live freer with purpose - and take control of your financial life like never before.
