I remember feeling so powerless with money. I didn’t have a budget, knew nothing about an emergency fund, retirement, investing, credit scores, and the rest. I felt really insecure around the topic of money. That’s totally changed now.
At 23, I soaked in as much knowledge as possible and learned as much as I could about money. I read books, took courses, listened to podcasts, watched YouTube videos – everything. I eventually worked my way up the most intimidating topic of all – investing. Now I love learning about investing and implement what I’ve learned.
I used to hate talking about money. Now I love it!
There are tons of finance experts out there doing a great job at teaching people all around the world how to achieve financial independence, retire with enough money, and even the personal finance basics.
Here are 10 of the best personal finance books you need to read now.
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1. Work Optional: Retire Early The Non-Penny Pinching Way
What if you could escape the traditional path and move toward a path that doesn’t require working until you’re 65?
Tanja and her husband Mark left their hectic work lifestyle to live their dream life, retiring early from high-stress careers.
In Work Optional, Tanja shares a customized plan for freedom that is more than just a financial plan. It’s a personalized plan designed by you, the reader. You’ll discover your dream life, account for important things like health care and children, as well as protecting yourself from future unknowns.
You’ll learn exactly how to achieve a purpose-filled early retirement, semi-retirement, or career intermission with practical tips.
Key Learning Point: How to live a more meaningful life, regardless of where you are in your career.
2. Rich Dad Poor Dad
Rich Dad Poor Dad is such a unique story written by Robert T. Kiyosaki.
Robert shares how you don’t need to earn a high income to be rich, and how you can’t rely on the school system to teach your kids about money.
In Rich Dad Poor Dad, you’ll learn what you should be teaching your kids about money, so they have financial success in the future.
Key Learning Point: How to teach your children about money.
3. Money Honey: A Simple 7-Step Guide For Getting Your Financial $hit Together
Former financial advisor Rachel Richard brings humor and sass to her personal finance book, Money Honey.
This tough love guide will show you how to double your income and halve your expenses, and how to consolidate your student loans and lower your interest rate.
You’ll also learn how to allocate your money between debt payoff, short-term savings, and retirement as well as open a brokerage account and make a trade so that you can start investing in the stock market.
Key Learning Point: Learn seven steps to get your financial $hit together.
4. The Index Card
The Index Card is all about a post that went viral a while ago.
Harold Pollack from UIC interviewed Helaine Olen, a financial journalist and made a suggestion: write down everything needed to know about managing money and put it onto an index card.
He ended up grabbing a 4″x6″ card and writing down a list of rules and posted the picture online. It went viral.
Pollack and Olen team up in The Index Card to explain ten simple rules that outperform intimidating and complicated financial strategies. This book shares an easy-to-follow plan that will give you the tools, strategies, and knowledge to control your financial life.
Key Learning Point: Learn about personal finance with simple to understand strategies.
5. The Feminist Financial Handbook
I met Brynne in person at Fincon a couple of years ago at an event, and I clicked with her in an instant, which is so rare for me.
Brynne’s incredible, which is why I wasn’t surprised that her book was awesome, too.
The Feminist Financial Handbook provides resources and motivation to women who may be struggling and how to live your wealthiest life.
Are you curious about financial planning principles, like saving or earning a higher income, or the wage gap, or even economic recovery after experiencing domestic violence?
The Feminist Financial Handbook shares stories and advice from real women who have been through these struggles and how they’ve achieved success.
Key Learning Point: The modern woman’s guide to a prosperous life.
6. Why Didn’t They Teach Me This In School? 99 Personal Money Management Principles To Live By
Why Didn’t They Teach Me This In School? shares 99 personal money management lessons.
The author created these 99 personal money principles for his children and eventually realized that personal finance is rarely taught in schools or colleges.
This book is easy to understand and includes many practical tips that can apply to anyone no matter what money stage you are at in your life.
This book is an excellent gift for a high school student or someone who knows nothing about personal finance.
Key Learning Point: How to manage money with practical tips anyone can understand.
7. The Intelligent Investor
The Intelligent Investor teaches long-term strategies to succeed in the stock market.
In this book, you’re introduced to the world of investing, which can seem complicated and intimidating for many.
At times it can be a tough read, but it’s a great read from Benjamin Graham.
He shares his philosophy of “value investing,” which shields investors from substantial errors, and how to have success in the market.
My only complaint about this book is that it can condense into a much shorter version.
Key Learning Point: How to reach your financial goals with investing.
8. The Millionaire Next Door
The Millionaire Next Door is a book everyone should read because it dispels a lot of myths about wealthy people.
Most wealthy people don’t live in Beverly Hills or Park Avenue. They live right next door to you.
I’m not as rich as a celebrity or CEO of a fortune 500, but I do pretty well at 25 years old. I coupon, do my best to save money and don’t buy nice things often.
I’m saying this because there are people that read my blog that have commented saying they know I don’t coupon or use money-saving hacks to save a dollar here and there. As if having more money means I don’t care about saving money.
The millionaire next door bargain-shops for used cars and usually rejects a flashy lifestyle.
Key Learning Point: Millionaires don’t spend the way you think they do.
9. How To Stop Living Paycheck To Paycheck
How To Stop Living Paycheck To Paycheck shares how to build up an emergency fund, how to get out of debt, and make sure you never run out of money.
This book also shares the 11 worst budget traps that can ruin your financial plan if you let them.
With just 15 minutes per week to maintain, you can create a working budget system that works for you.
Key Learning Point: How to stop living paycheck to paycheck and create a working budget.
➡️ What to read next: 30 Ways To Cut Your Spending And Save Thousands Per Year
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