Are you looking for tips to help you save money and stay on budget?
Countless books claim to hold the secret to a happy and financially successful life. But how do you know which ones are the real deal?
Fear not. We've got you covered. Whether you're a beginner who's just getting started or a Wall Street veteran looking to take your investing to the next level, this list contains some of the best personal finance books for all your fiscal goals.
List of the top 10 books to save and invest more
Best for beginners: “Broke Millennial” (Erin Lowry)
By coining the hashtag #GYFLT (Get Your Financial Life Together), "Broke Millennial" sets out to make personal finance accessible to the generations that grew up with social media.
From splitting the bill to managing student loans, author and business analyst Erin Lowry adopts an easygoing, conversational style to educate 20- and 30-somethings about concepts that might otherwise seem intimidating.
The advice is simple and backed up by funny personal stories, so if you've grown bored with the same old financial advice or even if you've never given much thought to your financial objectives at all, this might be the book for you.
Best for covering the basics: “Get Good with Money: 10 Simple Steps to Becoming Financially Whole” (Tiffany Aliche)
Author and former pre-school teacher Tiffany "The Budgetnista" Aliche developed her 10-step formula after losing her savings due to bad financial advice she received during the recession.
At the heart of her book is the concept of financial wholeness, which she describes as an alternative to get-rich-quick schemes and overly complicated money-management systems. Instead, she focuses on simple, short-term actions to help guide her readers toward long-term goals.
The book uses checklists, worksheets, and tool kits to tackle common financial obstacles like reducing spending, increasing income, improving your credit score, automating bill payment, and calculating insurance needs.
Best for getting motivated: “You Are a Badass at Making Money” (Jen Sincero)
If you're looking for a book to get you in the mood to conquer the world one dollar at a time, you'll definitely want to read this one by Jen Sincero, author of the bestselling "You Are a Badass" series.
Describing herself as a "motivational cattle prod," Sincero draws on her transformation from a frustrated 40-year-old living in a converted garage to a successful business owner traveling the world in style to help others believe in their own capacity for change.
"If my broke ass can get rich, you can too," she says.
Best for spenders: “I Will Teach You to Be Rich” (Ramit Sethi)
This book is perfect for those who don't want to cut back on spending to reach their financial goals. Author Ramit Sethi sets out a six-week program to help you allocate your finances in a way that lets you spend your money on things you love, free of guilt.
In addition to general advice on paying off loans, finding the best interest rates, and avoiding late fees, the 10th-anniversary edition features updates on new investment technologies and success stories from those who achieved financial independence after reading Sethi's book.
Best for part-time entrepreneurs: “Side Hustle” (Chris Guillebeau)
This book is perfect for those who want to create an additional stream of income without giving up the security of a full-time job.
According to author Chris Guillebeau, the solution is the side hustle — a part-time business venture that doesn't require an MBA, investors, or employees.
Designed for the busy and impatient, the book offers a step-by-step guide showing you how to select, launch, refine, and make money from your side hustle in 27 days. By turning your passion into a stream of income, Guillebeau proposes that you can achieve financial freedom in less than a month.
Best for debt management: “The Total Money Makeover” (Dave Ramsey)
If you want to take control of your financial life and get out of debt for good, Dave Ramsey's "The Total Money Makeover" is the book for you.
A radio talk show host known for his direct style and no-nonsense approach, Ramsey spells out a seven-step plan to help you turn your finances around by focusing on hard work and personal responsibility.
Packed with personal testimonials and valuable tools to help readers keep track of their progress, the book — like Ramsey himself — is straightforward, actionable, and has a proven track record.
Best for finding inspiration: “The Millionaire Next Door” (Thomas J. Stanley and William D. Danko)
Do you ever get the feeling that millionaires live in a world of their own? Somewhere luxurious and unattainable to ordinary mortals?
It turns out that millionaires aren't really so different from the rest of us, according to this book. By studying the behavior and habits of America's wealthiest citizens, Stanley and Danko identify seven common traits that show up repeatedly in those who succeed financially.
For the most part, they don't buy luxury cars or designer clothes, and they don't live in expensive mansions or gated communities. They live "next door" and, most importantly, spend less than they earn.
Best for aspiring stockbrokers: “The Intelligent Investor” (Benjamin Graham, with commentary by Jason Zweig)
If you want to learn more about the stock market, “The Intelligent Investor” is a great place to start.
Hailed as "the best book on investing ever written" by billionaire Warren Buffett, author Benjamin Graham presents a philosophy of value investing that focuses on minimizing losses instead of maximizing profits.
First published in 1949, the revised edition features updated commentary and footnotes from senior Money editor Jason Zweig, bringing Graham's classic advice to bear on the realities of the 21st century.
Best for making finance meaningful: “Your Money or Your Life” (Vicki Robin and Joe Dominguez)
This book promises to transform your relationship with money regarding how you earn and spend and the time you dedicate to thinking about your debts and savings.
By taking a "whole systems" approach to finances, Robin and Dominguez teach readers to make their relationship with money reflect their values, community, family, and the planet.
The authors claim that when you change your relationship with money, you reach new levels of comfort, competence, and consciousness about your financial objectives.
Best for those in need of a financial detox: “The 30-Day Money Cleanse” (Ashley Feinstein Gerstley)
For those who are tired of talking, reading, and thinking about money, "The 30-Day Money Cleanse" offers a fresh take on the same old financial advice.
Gerstley believes the way society treats and talks about money leads to an unnecessary amount of daily stress, so she created a system to turn the entire practice on its head.
Her 30-day plan aims to help you create a healthier, happier relationship with your money by eliminating money stressors, breaking panic-inducing money habits, and making a plan that is both easy to follow and enjoyable.
The bottom line
There's no doubt about it: reading any of the books on this list will cost less than hiring a financial advisor.
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