34 Best Books on Personal Finance

W

e all hear the stories of how someone went from broke to riches in five years, went from jobless to employing 1,000s, and so on. Is there any truth to this? The answer may be surprising, yes. However, there’s always that catch. Nevertheless, that “catch” is much more realistic than you may believe. These books on the best books on personal finance will lay a solid foundation for your financial IQ, in fact, the great majority of them will give you the education that you need to get your finances under control and start building up your own empire. These authors live the fruit of their labor and hard work through consistency, patience, and determination. You can too! We all can!

Best Books on Personal Finance: THE LIST

1 – Rich Dad Poor Dad | By Robert Kiyosaki

Author Robert T. Kiyosaki has been giving financial advice through his books, seminars, and educational training for several decades. In Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!, considered a classic and perhaps a book that changes many people’s perceptions about money. In this book, Kiyosaki discusses how he had two fathers, his real dad who was an educated poor man, and his friend’s father who was a self-made rich dad. Both dad’s taught Roberty Kiyosaki lessons of life that impacted his experience and characters. His poor dad was a loser (in the financial sense) who owned money and never made anything regarding cash flow. And his rich dad who was self-made, financially literate, and who was a cash flow machine. Both dad’s had two different philosophies of how to make money. Unfortunately, the poor dad is far too common in most people’s thinking. Most people in society have poor dad’s and become poor dads. Rich Dad Poor Dad will challenge the way you think about finance, money, and wealth. Definitely not a book to be overlooked, in fact, this book must be on your reading list. 

Quotes from Rich Dad Poor Dad;

“In school, we learn that mistakes are bad, and we are punished for making them. Yet, if you look at the way humans are designed to learn, we learn by making mistakes. We learn to walk by falling down. If we never fell down, we would never walk.”

“Winners are not afraid of losing. But losers are. Failure is part of the process of success. People who avoid failure also avoid success.”

“You’re only poor if you give up. The most important thing is that you did something. Most people only talk and dream of getting rich. You’ve done something.”

“If you’re the kind of person who has no guts, you just give up every time life pushes you. If you’re that kind of person, you’ll live all your life playing it safe, doing the right things, saving yourself for something that never happens. Then, you die a boring old man.”

“The love of money is the root of all evil. The lack of money is the root of all evil.”

2 – The Total Money Makeover | By Dave Ramsey

It is not only your body and your mind that has to maintain balance, strength, and soundness but also your lifestyle and your mindset towards money. In this book, Ramsey takes on the full mantle as a finance coach, and shares game-changing advice on how to create an effective budget plan you can stick with, and how to commit to saving for stability and fulfillment fully.

Here, the author debunks the get–rich–quick schemes and urges people to put in the work required to live a balanced life and make good financial decisions. Straightforward and functional, the approach utilized in this book does not offer a shortcut, unlike all the other self–help budgeting books. This one is based on anecdotal evidence and study results to back up what truly works, and it strongly steers you to prioritize your financial freedom – which means you need to be out of debt to be able to plan your life properly.

After all, we won’t be young and healthy before you know it, and preparing for your retirement and looking out for possible emergencies might sound like the best idea to any modern Christian.

Quotes from Total Money Makeover;

“We buy things we don’t need with money we don’t have to impress people we don’t like.”

“It is human nature to want it and want it now; it is also a sign of immaturity. Being willing to delay pleasure for a greater result is a sign of maturity.”

“Aristotle once said, “To avoid criticism say nothing, do nothing, and be nothing.”

“The enemy of “the best” is not “the worst.” The enemy of “the best” is “just fine.”

“Winning at money is 80 percent behavior and 20 percent head knowledge. What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich.”

“You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal, because as my radio listeners know, normal is broke.”

“Years ago, in a motivational seminar by the master, Zig Ziglar, I heard a story about how mediocrity will sneak up on you. The story goes that if you drop a frog into boiling water, he will sense the pain and immediately jump out. However, if you put a frog in room-temperature water, he will swim around happily, and as you gradually turn the water up to boiling, the frog will not sense the change. The frog is lured to his death by gradual change. We can lose our health, our fitness, and our wealth gradually, one day at a time. It might be a cliché, but that’s because it is true: The enemy of “the best” is not “the worst.” The enemy of “the best” is “just fine.”

“Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.”

“For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don’t back down.”

 3 – The Millionaire Next Door | By Thomas J. Stanley

In the book ‘The Millionaire Next Door’ the authors also have done a study. And what they found that there were people who lived in expensive houses with big mortgages in high-end communities, but didn’t have much net worth. On a side note, we constantly hear stories of professional athletes who at one time had it all but ended-up blowing it.

However, the authors also found out that there are many quiet millionaires who lived in middle-class neighborhoods and lived well below their means. In other words, they didn’t live lavishly and acted like they were rich. They were rich because of the exact opposite. The book clearly marks several characteristics that must be ingrained in the minds of not only ourselves but our children.

Quotes from The Millionaire Next Door;

“We buy things we don’t need with money we don’t have to impress people we don’t like.”

“Whatever your income, always live below your means.”

“Good health, longevity, happiness, a loving family, self-reliance, find friends…if you have five, you’re a rich man…”

“I am not impressed with what people own. But I’m impressed with what they achieve. I’m proud to be a physician. Always strive to be the best in your field…Don’t chase money. If you are the best in your field, the money will find you.”

“Wealth is more often the result of a lifestyle of hard work, perseverance, planning, and, most of all, self-discipline.”

“Many people who live in expensive homes and drive luxury cars do not actually have much wealth. Then, we discovered something even odder: Many people who have a great deal of wealth do not even live in upscale neighborhoods.”

“It’s easier to accumulate wealth if you don’t live in a high-status neighborhood.”

“One of the reasons that millionaires are economically successful is that they think differently.”

“If you’re not yet wealthy but want to be someday, never purchase a home that requires a mortgage that is more than twice your household’s total annual realized income.”

“If your goal is to become financially secure, you’ll likely attain it…. But if your motive is to make money to spend money on the good life,… you’re never gonna make it.”

“Money should never change one’s values…. Making money is only a report card. It’s a way to tell how you’re doing.”

“Great offense and poor defense translate into under accumulation of wealth.”

“Have you ever noticed those people whom you see jogging day after day? They are the ones who seem not to need to jog. But that’s why they are fit. Those who are wealthy work at staying financially fit. But those who are not financially fit do little to change their status.”

“His view of millionaires is shared by most people who are not wealthy. They think millionaires own expensive clothes, watches, and other status artifacts. We have found this is not the case.”

“Wealth is not the same as income. If you make a good income each year and spend it all, you are not getting wealthier. You are just living high. Wealth is what you accumulate, not what you spend.”

4 – Think and Grow Rich | By Napoleon Hill

This book was published in 1937. It would, later on, become Hill’s best selling book and his best-known work. His second wife contributed a substantial amount to the content and editing. As of today, it has been recognized as one of the best self-help books of all time.

Although it was published in the midst of ‘The Great Depression’, he and his second wife gained fortune out of it. Hill then, relived his luxurious lifestyle but soon would be divorced once again. Years later, Hill remarried and went again to become a lecturer.

The contents of the book were said to be inspired by Andrew Carnegie. His early work, ‘The Law of Success’ paved the way for the success of this book. Its contents condensed the sixteen lessons from his previous book into fourteen principles. It emphasizes that faith, desire, and persistence can drive one person to new heights if he/she focused on long-term goals and rejected negative thoughts.

Quotes from Think and Grow Rich;

“The starting point of all achievement is DESIRE. Keep this constantly in mind. Weak desire brings weak results, just as a small fire makes a small amount of heat.”

“Opinions are the cheapest commodities on earth. Everyone has a flock of opinions ready to be wished upon anyone who will accept them. If you are influenced by “opinions” when you reach DECISIONS, you will not succeed in any undertaking.”

“There is a difference between WISHING for a thing and being READY to receive it. No one is ready for a thing, until he believes he can acquire it. The state of mind must be BELIEF, not mere hope or wish. Open-mindedness is essential for belief.”

“Before success comes in any man’s life, he is sure to meet with much temporary defeat, and, perhaps, some failure. When defeat overtakes a man, the easiest and most logical thing to do is to quit. That is exactly what the majority of men do. More than five hundred of the most successful men this country has ever known told the author their greatest success came just one step beyond the point at which defeat had overtaken them.”

“To win the big stakes in this changed world, you must catch the spirit of the great pioneers of the past, whose dreams have given to civilization all that it has of value, the spirit that serves as the life-blood of our own country – your opportunity and mine, to develop and market our talents.”

“We refuse to believe that which we don’t understand.”

“The way of success is the way of continuous pursuit of knowledge.”

“An educated man is not, necessarily, one who has an abundance of general or specialized knowledge. An educated man is one who has so developed the faculties of his mind that he may acquire anything he wants, or its equivalent, without violating the rights of others.”

5 – I Will Teach You to Be Rich |  By Ramit Sethi

Buy as many lattes as you want. Choose the right accounts and investments so your money grows for you—automatically. Best of all, spend guilt-free on the things you love.
 
Personal finance expert Ramit Sethi has been called a “wealth wizard” by Forbes and the “new guru on the block” by Fortune. Now he’s updated and expanded his modern money classic for a new age, delivering a simple, powerful, no-BS 6-week program that just works.
 
I Will Teach You to Be Rich will show you:
• How to crush your debt and student loans faster than you thought possible
• How to set up no-fee, high-interest bank accounts that won’t gouge you for every penny
• How Ramit automates his finances so his money goes exactly where he wants it to—and how you can do it too
• How to talk your way out of late fees (with word-for-word scripts)
• How to save hundreds or even thousands per month (and still buy what you love)
• A set-it-and-forget-it investment strategy that’s dead simple and beats financial advisors at their own game
• How to handle buying a car or a house, paying for a wedding, having kids, and other big expenses—stress-free
• The exact words to use to negotiate a big raise at work
 
Plus, this 10th-anniversary edition features over 80 new pages, including:
• New tools
• New insights on money and psychology
• Amazing stories of how previous readers used the book to create their rich lives
 
Master your money—and then get on with your life.

Quotes from I Will Teach You to Be Rich;

“The 85 Percent Solution: Getting started is more important than becoming an expert.”

“Spend extravagantly on the things you love, and cut costs mercilessly on the things you don’t.”

“young is about developing the right habits.”

“The single most important factor to getting rich is getting started, not being the smartest person in the room.”

“People love to argue minor points, partially because they feel it absolves them from actually having to do anything.”

“My friend Jim once called to tell me that he’d gotten a raise at work. On the same day, he moved into a smaller apartment. Why? Because he doesn’t care very much about where he lives, but he loves spending money on camping and biking. That’s called conscious spending.”

“It’s more important to get started than to spend an exhaustive amount of time researching”

6 – The Richest Man in Babylon | By George S. Clason

This book is one of the highest suggested books by Jim Rohn. It shares the ways of ancient Babylonian on how to amass wealth as they were the first people to unravel the laws of prosperity.

George Clason was able to successfully deliver his message by compiling tales about the ancient Babylonian tradesmen, merchants, and herdsmen. In these tales, he imparts inspirational lessons relating to personal wealth, financial planning, and thrift in a thought-provoking manner.

He then proceeded to provide concrete advice for starting, nourishing, and preserving personal wealth. Overall, this book has the answer to how you should manage your money.

Quotes from The Richest Man in Babylon;

“Advice is one thing that is freely given away, but watch that you only take what is worth having.”

“Our acts can be no wiser than our thoughts.”

“Proper preparation is the key to our success. Our acts can be no wiser than our thoughts. Our thinking can be no wiser than our understanding.”

“In those things toward which we exerted our best endeavors we succeeded.”

“As for time, all men have it in abundance.”

“The sun that shines today is the sun that shone when thy father was born, and
will still be shining when thy last grandchild shall pass into the darkness.”

“The hungrier one becomes, the clearer one’s mind works— also the more sensitive one becomes to the odors of food.”

“Learning was of two kinds: the one being the things we learned and knew, and the other being the training that taught us how to find out what we did not know?”

“If you desire to help thy friend, do so in a way that will not bring thy friend’s burdens upon thyself.”

7 – You’re So Money | By Farnoosh Torabi

Your Good Life Starts Now

Live beyond your means but spend within them.
Take your steady out for that $350 dinner after the big promotion. You might just have to eat PB&J for a week to make it happen.

Splurge when it makes sense.
Buy the designer jeans you can’t live without in your size, at full price. But you better walk away from last season’s must-have sweater, even if it is 75 percent off!

Make more money with your money.
Invest in stocks to make the big bucks and start saving for retirement now.
You want to be debt-free in your swinging sixties.

Have it all . . . just not all at once.
Want a Mercedes more than anything in the world? You can make it happen. ..but probably not while sharing a summer beach house with your friends.

Finally a savvy, realistic finance book for those of us who love our Starbucks mocha lattes and Razr cell phones but don’t want our Jimmy Choo shoes or Bose headphones buried under a pile of burgeoning debt. Twenty-something financial reporter Farnoosh Torabi tells you that you can satisfy your sophisticated tastes and achieve financial bliss.

The key: prioritizing your expenses according to what you want the most—splurging when you can and saving on other things. From sensible grocery shopping (yes, you can have your organic yogurt and eat it, too!) to cyberbanking, empower yourself to live a guilt-free, Gucci- and gadget-clad good life without sacrificing financial security.

8 – Your Money or Your Life | By Vicki Robin

For more than twenty-five years, Your Money or Your Life has been considered the go-to book for taking back your life by changing your relationship with money. Hundreds of thousands of people have followed this nine-step program, learning to live more deliberately and meaningfully with Vicki Robin’s guidance. This fully revised and updated edition with a foreword by “the Frugal Guru” (New Yorker) Mr. Money Mustache is the ultimate makeover of this bestselling classic, ensuring that its time-tested wisdom applies to people of all ages and covers modern topics like investing in index funds, managing revenue streams like side hustles and freelancing, tracking your finances online, and having difficult conversations about money.
 
Whether you’re just beginning your financial life or heading towards retirement, this book will show you how to: 
 
• Get out of debt and develop savings
• Save money through mindfulness and good habits, rather than strict budgeting
• Declutter your life and live well for less
• Invest your savings and begin creating wealth
• Save the planet while saving money
• …and so much more!

Quotes from Your Money or Your Life;

“If you live for having it all, what you have is never enough.”

“Money is something we choose to trade our life energy for.”

“We shift from comparing ourselves to others to considering our real needs and desires. We shift from “more” to “enough” and ultimately get more of what money can’t buy. Priceless.”

“It is easier to tell our therapist about our sex life than it is to tell our accountant about our finances.”

“Money is something you trade your life energy for. You sell your time for money. It doesn’t matter that Ned over there sells his time for a hundred dollars and you sell yours for twenty dollars an hour. Ned’s money is irrelevant to you. The only real asset you have is your time. The hours of your life.”

“Waste lies not in the number of possessions but in the failure to enjoy them.”

“Americans used to be ‘citizens.’ Now we are ‘consumers.”

9 – The Little Book of Common Sense Investing | John Boggle

The Little Book of Common Sense Investing is the classic guide to getting smart about the market. Legendary mutual fund pioneer John C. Bogle reveals his key to getting more out of investing: low-cost index funds. Bogle describes the simplest and most effective investment strategy for building wealth over the long term: buy and hold, at very low cost, a mutual fund that tracks a broad stock market Index such as the S&P 500.

While the stock market has tumbled and then soared since the first edition of Little Book of Common Sense was published in April 2007, Bogle’s investment principles have endured and served investors well. This tenth-anniversary edition includes updated data and new information but maintains the same long-term perspective as its predecessor. 

Bogle has also added two new chapters designed to provide further guidance to investors: one on asset allocation, the other on retirement investing.

A portfolio focused on index funds is the only investment that effectively guarantees your fair share of stock market returns. This strategy is favored by Warren Buffett, who said this about Bogle: “If a statue is ever erected to honor the person who has done the most for American investors, the hands-down choice should be Jack Bogle. For decades, Jack has urged investors to invest in ultra-low-cost index funds. Today, however, he has the satisfaction of knowing that he helped millions of investors realize far better returns on their savings than they otherwise would have earned. He is a hero to them and to me.”

Bogle shows you how to make index investing work for you and help you achieve your financial goals, and finds support from some of the world’s best financial minds: not only Warren Buffett, but Benjamin Graham, Paul Samuelson, Burton Malkiel, Yale’s David Swensen, Cliff Asness of AQR, and many others.

This new edition of The Little Book of Common Sense Investing offers you the same solid strategy as its predecessor for building your financial future.

• Build a broadly diversified, low-cost portfolio without the risks of individual stocks, manager selection, or sector rotation.
• Forget the fads and marketing hype, and focus on what works in the real world.
• Understand that stock returns are generated by three sources (dividend yield, earnings growth, and change in market valuation) in order to establish rational expectations for stock returns over the coming decade.
• Recognize that in the long run, business reality trumps market expectations.
• Learn how to harness the magic of compounding returns while avoiding the tyranny of compounding costs.

While index investing allows you to sit back and let the market do the work for you, too many investors trade frantically, turning a winner’s game into a loser’s game. The Little Book of Common Sense Investing is a solid guidebook to your financial future.

Quotes from The Little Book of Common Sense Investing;

“Most investors, both institutional and individual, will find that the best way to own common stocks is through an index fund that charges minimal fees.” (Warren Buffett)

“Successful investing is all about common sense.”

“The intelligent investor will minimize to the bare bones the costs of financial intermediation.”

“Fund investors are confident that they can easily select superior fund managers. They are wrong.”

“Mutual funds charge 2% per year and then brokers switch people between funds, costing another three or four percentage points…the general public is getting a terrible product from the professionals.” (Charles T. Munger)

“The higher the level of their investment activity, the greater the cost of financial intermediation and taxes, the less the net return that the business owners as a group receive.”

10 – You Need a Budget | By Jesse Mecham

Experience a life free of financial stress and transform your relationship to money with this indispensable guide—the first book based on You Need A Budget’s proven method that has helped hundreds of thousands of people break the paycheck to paycheck cycle, get out of debt, and live the life they want to live.

No one should tell you what to do with your money—only you know what’s most important to you. Always guiding you back to your true priorities, Jesse Mecham will fundamentally change the way you think about your money and what it can do for you. His proven method—four, simple rules—will transform money management from a paralyzing burden to a powerful tool, putting you in total control of your life:

1. Give Every Dollar A Job. Be intentional about what you want your money to do before you spend it.
2. Embrace Your True Expenses. Break up larger, less frequent expenses into smaller, more manageable amounts. By saving monthly for insurance premiums, holidays, or car repairs, when the time comes, your money is ready and waiting to do its job.
3. Roll With The Punches. When life changes, so must your budget. Make adjustments and move along. Flexible budgets succeed because they’re guilt-free, realistic, and sustainable.
4. Age Your Money. As you repeat the first three rules, you’ll increase the time between the moment you earn a dollar and the moment you need to spend it. When your money is at least a month old, you’ll have finally broken the paycheck to paycheck cycle for good.

This tried-and-true system has changed the lives of hundreds of thousands of people by teaching them how to take charge, adjust money habits, eliminate stress, and build the life they want to live. Don’t waste another month counting down the minutes until payday…

Quotes from You Need a Budget;

“Lifestyle creep is when the cost of your lifestyle rises in tandem with your income. Any income bump goes toward paying higher expenses.”

“Forget future money; use today’s money to write your future.”

“Let me be clear : What do I want? and What do i want my Money to do for me? are different questions. I’m not prompting you to write your holiday wish list. What do i want my money to do for me? is about nothing less than deciding what kind of life you want to live, and then making a plan so your money can help you get there.”

“When you ask, What do I want my money to do for me? you’re deciding how you’ll use your money to get closer to the life you want.”

“Scarcity pushes us to be very concrete about our priorities, and those that matter to us the most make themselves known in these moments. And that will help make significant changes for the better with your finances.”

“Accountability is dealing with the truth of every decision you make.”

11 – The One-Page Financial Plan | By Carl Richards

Whenever I tell people about my job as a financial advisor, the conversation inevitably turns to how hopeless they feel when it comes to dealing with money. More than once, they’ve begged, “Just tell me what to do.”

It’s no surprise that even my most successful friends feel confused or paralyzed. Even if they have a shelf of personal finance books, they don’t have time to make sense of all the information available. They don’t just want good advice, they want the best advice—so rather than do the “wrong thing,” they do nothing. Their 401(k) and bank statements pile up, unexamined or maybe even unopened.

What they don’t realize is that bad calls about money aren’t failures; they’re just what happens when emotional creatures have to make decisions about the future with limited information. What I tell them is that we need to scrap striving for perfection and instead commit to a process of guessing and making adjustments when things go off track. Of course, we’re going to make the best guesses we can—but we’re not going to obsess over getting them exactly right.

The fact is, in a single page you can prioritize what you really want in life and figure out how to get there. That’s because a great financial plan has nothing to do with what the markets are doing, what your real estate agent is pitching or the hot stock your brother-in-law told you about. It has everything to do with what’s most important to you.

By now you may be wondering, “What about the details? How much do I need to invest each year, and how do I allocate it? How much life insurance do I need?” Don’t worry: I’ll cover those topics and many more, sharing strategies that will take the complexity out of them.

The most important thing is getting clarity about the big picture so you can cope with the unexpected. Maybe you’ll lose the job you thought was secure; you’ll take a financial risk that doesn’t pan out; you’ll have twins when you were only budgeting for one. In other words: Life will happen.

But no matter what happens, this book will help you bridge the gap between where you are now and where you want to go.

Quotes from The One-Page Financial Plan;

“People who understand interest earn it. People who don’t pay it.”

“if you don’t ever find yourself recalibrating your decisions, you’re likely ignoring some issues that might become problems down the line.”

“the best financial plan has nothing to do with what the markets are doing, nothing to do with what your real estate agent is telling you, nothing to do with the hot stock your brother-in-law told you about. It has everything to do with what’s most important to you.”

“when the paint on the car starts to chip and the gadget gets tossed into the closet with all the others, you can’t help but wonder if you’ve been pouring all your hard-earned money into the wrong things.”

“Don’t be committed to the guess, be committed to the process of guessing.”

“If we want to take control of our finances, we also have to take responsibility for the many unnecessary purchases we’ve made–and understand that nothing will change unless we change our behavior.”

12 – The Motley Fool. You Have More Than You Think | By David Gardner

Taking control of your personal finances is the first — and most important
— step toward successful investing and a secure future. The Motley Fool You Have More Than You Think, now fully updated and expanded, provides guidance for anyone trying to balance lifestyle aspirations and financial realities. The latest edition of this Motley Fool bestseller covers topics such as:

• Getting out of debt…and into the stock market
• Turning your bank account into a moneymaker
• Using Fool.com and the Internet to learn about all things financial — from buying a home to getting the best deal on a car
• Saving enough to send your children to the colleges of their dreams

13 – Money Master the Game | By Anthony Robbins

Tony Robbins is one of the most revered writers and thinkers of our time. People from all over the world—from the disadvantaged to the well-heeled, from twenty-somethings to retirees—credit him for giving them the inspiration and the tools for transforming their lives. From diet and fitness to business and leadership, to relationships and self-respect, Tony Robbins’s books have changed people in profound and lasting ways. Now, for the first time, he has assembled an invaluable “distillation of just about every good personal finance idea of the last forty years” (The New York Times).

Based on extensive research and interviews with some of the most legendary investors at work today (John Bogle, Warren Buffett, Paul Tudor Jones, Ray Dalio, Carl Icahn, and many others), Tony Robbins has created a 7-step blueprint for securing financial freedom. With advice about taking control of your financial decisions, to setting up a savings and investing plan, to destroying myths about what it takes to save and invest, to set up a “lifetime income plan,” the book brims with advice and practices for making the financial game not only winnable—but providing financial freedom for the rest of your life. “Put MONEY on your shortlist of new books to read…It’s that good” (Marketwatch.com).

Quotes from Money Master the Game;

“Remember: we all get what we tolerate. So stop tolerating excuses within yourself, limiting beliefs of the past, or half-assed or fearful states. Use your body as a tool to snap yourself into a place of sheer will, determination, and commitment. Face your challenges head on with the core belief that problems are just speed bumps on the road to your dreams. And from that place, when you take massive action—with an effective and proven strategy—you will rewrite your history.”

“The secret to wealth is simple: Find a way to do more for others than anyone else does. Become more valuable. Do more. Give more. Be more. Serve more.”

“If you’re prepared, and you know what it takes, it’s not a risk. You just have to figure out how to get there. There is always a way to get there. —MARK CUBAN”

“My teacher Jim Rohn taught me a simple principle: every day, stand guard at the door of your mind, and you alone decide what thoughts and beliefs you let into your life. For they will shape whether you feel rich or poor, cursed or blessed.”

“Life isn’t about waiting for the storm to pass; it’s about learning to dance in the rain. It’s about removing the fear in this area of your life so you can focus on what matters most.”

“Remember: we’re drowning in information, but we’re starving for wisdom.”

14 – The Bogleheads’ Guide to Investing | By Taylor Larimore

The irreverent guide to investing, Boglehead style

The Boglehead’s Guide to Investing is a DIY handbook that espouses the sage investment wisdom of John C. Bogle. This witty and wonderful book offers contrarian advice that provides the first step on the road to investment success, illustrating how relying on typical “common sense” promoted by Wall Street is destined to leave you poorer. This updated edition includes new information on backdoor Roth IRAs and ETFs as mainstream buy and hold investments, estate taxes, and gifting, plus changes to the laws regarding Traditional and Roth IRAs, and 401k and 403b retirement plans. With warnings and principles both precisely accurate and grandly counterintuitive, the Boglehead authors show how beating the market is a zero-sum game.

Investing can be simple, but it’s certainly not simplistic. Over the course of twenty years, the followers of John C. Bogle have evolved from a loose association of investors to a major force with the largest and most active non-commercial financial forum on the Internet. The Boglehead’s Guide to Investing brings that communication to you with comprehensive guidance to the investment prowess on display at Bogleheads.org. You’ll learn how to craft your own investment strategy using the Bogle-proven methods that have worked for thousands of investors, and how to:

• Choose a sound financial lifestyle and diversify your portfolio
• Start early, invest regularly, and know what you’re buying
• Preserve your buying power, keeping costs and taxes low
• Throw out the “good” advice promoted by Wall Street that leads to investment failure

Financial markets are essentially closed systems in which one’s gain garners another’s loss. Investors looking for a roadmap to successfully navigating these choppy waters long-term will find expert guidance, sound advice, and a little irreverent humor in The Boglehead’s Guide to Investing.

Quotes from The Bogleheads’ Guide to Investing;

“I helped put two children through Harvard—my broker’s children. —Michael LeBoeuf”

“Here is the crux of the strategy: Instead of hiring an expert, or spending a lot of time trying to decide which stocks or actively managed funds are likely to be top performers, just invest in index funds and forget about it!”

“Warren Buffett, chairman of Berkshire Hathaway and investor of legendary repute: “Most investors, both institutional and individual, will find that the best way to own common stocks is through an index fund that charges minimal fees. Those following this path are sure to beat the net results (after fees and expenses) delivered by the great majority of investment professionals.”

“There is a crucially important difference about playing the game of investing compared to virtually any other activity. Most of us have no chance of being as good as the average in any pursuit where others practice and hone skills for many, many hours. But we can be as good as the average investor in the stock market with no practice at all.
Jeremy Siegel, Professor of Finance, Wharton School, University of Pennsylvania, and author of Stocks for the Long Run”

“Index investing is an investment strategy that Walter Mitty would love. It takes very little investment knowledge, no skill, practically no time or effort-and outperforms about 80 percent of all investors. It allows you to spend your time working, playing, or doing anything else while your nest egg compounds on autopilot. It’s about as difficult as breathing and about as time consuming as going to a fast-food restaurant once a year.”

15 – The Simple Path to Wealth | By J.L. Collins

This book grew out of a series of letters to my daughter concerning various things—mostly about money and investing—she was not yet quite ready to hear.

Since money is the single most powerful tool we have for navigating this complex world we’ve created, understanding it is critical.

“But Dad,” she once said, “I know money is important. I just don’t want to spend my life thinking about it.” This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run.

Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms.

Here’s an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, but they are also less effective.

The simple approach I created for her and present now to you is not only easy to understand and implement, but it is also more powerful than any other.

Together we’ll explore:

• Debt: Why you must avoid it and what to do if you have it.
• The importance of having F-you Money.
• How to think about money and the unique way of understanding this is key to building your wealth.
• Where traditional investing advice goes wrong and what actually works.
• What the stock market really is and how it really works.
• Why the stock market always goes up and why most people still lose money investing in it.
• How to invest in a raging bull, or bear, market.
• Specific investments to implement these strategies.
• The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age.
• How your asset allocation is tied to those phases and how to choose it.
• How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA, and Roth accounts.
• TRFs (Target Retirement Funds), HSAs (Health Savings Accounts), and RMDs (Required Minimum Distributions).
• What investment firm to use and why the one I recommend is so far superior to the competition.
• Why you should be very cautious when engaging an investment advisor and whether you need to at all.
• Why and how you can be conned, and how to avoid becoming prey.
• Why I don’t recommend dollar-cost averaging.
• What financial independence looks like and how to have your money support you.
• What the 4% rule is and how to use it to safely spend your wealth.
• The truth behind Social Security.
• A Case Study on how this all can be implemented in real life.

Don’t let any of this intimidate you. Those that have gone before you say:

“….in his patented no-frills and often humorous style, JL makes it both approachable and simple. And powerful.”
“…effective message told in a visual, funny style.”
“…a refreshingly unique and approachable take on investing.”
“JL Collins has the gift of making boring financial concepts funny and interesting.”
“Instead of esoteric equations about measuring a stock’s alpha and comparing it to its beta, he lights up the campfire and starts telling stories.”

Enjoy the read and the journey!

Quotes from The Simple Path to Wealth ;

“When you can live on 4% of your investments per year, you are financially independent.”

“Before you start trying to pick individual stocks and/or fund managers ask yourself this simple question: “Am I Warren Buffett?” If the answer is “no,” keep your feet firmly on the ground with indexing.”

“If your interest rate is… Less than 3%, pay it off slowly and route the money to your investments instead. Between 3-5%, do whatever feels most comfortable: Either put the money to debt payment or investments. More than 5%, pay it off ASAP.”

“You know, if you could learn to cater to the king, you wouldn’t have to live on rice and beans.” To which the monk replies: “If you could learn to live on rice and beans, you wouldn’t have to cater to the king.”

“Being independently wealthy is every bit as much about limiting needs as it is about how much money you have. It has less to do with how much you earn—high-income earners often go broke while low-income earners get there—than what you value. Money can buy many things, none of which is more important than your financial independence. Here’s”

“Bogle’s brilliance, for us investors, was to shift the ownership of his new company to the mutual funds it operates. Since we investors own those funds, through our ownership of shares in them, we in effect own Vanguard.”

16 – Bogle on Mutual Funds | By John Bogle

Certain books have redefined the way we view the world of finance and investing―books that should be on every investor’s shelf. Bogle On Mutual Funds―the definitive work on mutual fund investing by one of finance’s great luminaries―is just such a work, and has been added to the catalog of Wiley’s Investment Classic collection. Updated with a new introduction by expert John Bogle, this comprehensive book provides investors with the wisdom of the pioneer of mutual funds to help you identify and execute the ideal mutual fund investment choices for your portfolio.

The former Vanguard Chief Executive, Bogle has long been mutual funds’ most outspoken critic; in this classic book, he provides guidance on what you should and shouldn’t believe when it comes to mutual funds, along with the story of persistence and perseverance that led to this seminal work. You’ll learn the differences between common stock, bond, money market, and balanced funds, and why a passively managed “index” fund is a smarter investment than a fund managed by someone making weighted bets on individual securities, sectors, and the economy. Bogle reveals the truth behind the advertising, the mediocre performance, and selfishness, and highlights the common mistakes many investors make.

• Consider the risks and rewards of investing in mutual funds
• Learn how to choose between the four basic types of funds
• Choose the lower-cost, more reliable investment structure

• See-through misleading advertising, and watch out for pitfalls

Take a look into this timeless classic and let Bogle On Mutual Funds show you how to invest in mutual funds the right way, with the expert perspective of an industry leader. Quotes from The Joy in Business;

“Make the House of Glad your primary residence, the place to call home, the place to go back to regardless of circumstances.”

“When you handle adversity from a point of calm rationality, it makes for better outcomes.”

“Being positive and optimistic comes with a warning. If you are too happy all the time, people can’t take it! They’ll just want to slap you.” – Ken Baldridge, Baldridge Reading Inc.

“All is well, all is well, all is perfectly well and unfolding as it should.” – mantra by Advaita teacher Robert Adams

“When you find yourself stuck on a situation that you see no way out of, ask yourself, ‘What can I do?’”

17 – More Than Enough | By Dave Ramsey

n his first bestseller, Financial Peace, Dave Ramsey taught us how to eliminate debt from our lives. Now in More Than Enough, he gives us the keys to building wealth while also creating a successful, united family. Drawing from his years of work with thousands of families and corporate employees, Ramsey presents the ten keys that guarantee family and financial peace, including values, goals, patience, discipline, and giving back to one’s community. Using these essential steps anyone can create prosperity, live debt-free, and achieve marital bliss around the issue of finances. Filled with stories of couples, single men and women, children, and single parents, More Than Enough will show you:

   •  How to create a budget that fits your income and creates wealth
   •  What finances and romance have to do with one another
   •  What role values play in your financial life
   •  How to retire wealthy in every way
   •  And much, much more

Resonating with Ramsey’s down-home, folksy voice, heartwarming case histories, inspiring insights, quotations from the Bible, and exercises, quizzes, and worksheets, More Than Enough provides an inspiring wealth-building guide and a life-changing blueprint for a vital family dynamic.

Quotes from More Than Enough;

“Seems almost as if the very thing we thought would make us happy (stuff) has stolen the thing that among others brings us the most happiness: relationships, real connected time-invested relationships. Relationships”

“Over the long term you get what you deserve, and none of us like it when what we deserve is pain.”

“Henry Ford, who definitely had more than enough, said, “Failure is the opportunity to begin again more intelligently.”

“Requiring nothing of a child gives them no opportunity for failure or success.”

18 – Dave Ramsey’s Complete Guide to Money

If you’re looking for practical information to answer all your “How?” “What?” and “Why?” questions about money, this book is for you. Dave Ramsey’s Complete Guide to Money covers the A to Z of Dave’s money teaching, including how to budget, save, dump debt, and invest. You’ll also learn all about insurance, mortgage options, marketing, bargain hunting, and the most important element of all―giving. This is the handbook of Financial Peace University. If you’ve already been through Dave’s nine-week class, you won’t find much new information in this book. This book collects a lot of what he’s been teaching in FPU classes for 20 years, so if you’ve been through class, you’ve already heard it! It also covers the Baby Steps Dave wrote about in The Total Money Makeover, and trust us―the Baby Steps haven’t changed a bit. So if you’ve already memorized everything Dave’s ever said about money, you probably don’t need this book. But if you’re new to this stuff or just want the all-in-one resource for your bookshelf, this is it!

Quotes from Dave Ramsey’s Complete Guide to Money;

“The accountability of a group environment causes people to change their behaviors.”

“If you invest $464 in a good mutual fund every month from age thirty to age seventy, you’ll end up with more than $5 million.”

19 – Rich Dad’s Increase Your Financial IQ | By Robert Kiyosaki

Many of our global economic problems started in 1971…when President Richard Nixon took the U.S. off the gold standard. Throughout history, when a government went off the gold standard, an age of turbulence began.

In 1997, Robert’s book Rich Dad Poor Dad stunned readers stating, “Your house is not an asset.” As howls of protest went up around the world, the book went on to become an international bestseller and the #1 personal finance book of all time.

Rich Dad Poor Dad is not a book on real estate. It is a book about the importance of financial education. Rich Dad Poor Dad was written to prepare you and your loved ones for the financial turbulence Robert’s rich dad saw coming.

In 2007, as homes declined in value or were lost to foreclosure, millions of homeowners painfully discovered the wisdom of words of Robert’s rich dad. Today we are all aware that a home can be a liability. Today we know a home can go up or down in value. Today, we all know a person can lose money investing in the stock market. Today we all know our money can go down in value and that even savers can be losers.

This is why financial intelligence is more important today than ever before. In a world of financial turbulence, your best asset is financial IQ.

Quotes from Rich Dad’s Increase Your Financial IQ;

“What will my life be like if I take on this challenge and succeed?”

“He asks for 10 percent and lets me keep the other 90 percent. You know what happens if you stop paying your partners? They stop working with you. That is why we tithe.”

“I wrote about the importance of paying yourself first.”

“One is a budget deficit, and the other is a budget surplus. The reason Financial IQ #3 is so important is because learning how to budget for a surplus is the key to becoming rich and staying rich.”

“Most people know they should save, tithe, and invest. The problem is, after paying their expenses, most people don’t have any money left to do so. The reason is because they consider saving, tithing, and investing as a last priority.”

“Using simple numbers as an example, if we had $1,000 in income, and $1,500 in expenses, Betty was to take 30 percent of the $1,000, and put that money in the asset column. With the remaining $700, she was to pay the $1,500 in expenses.”

“In other words, we swallowed our pride and did whatever it took to make the extra money. Somehow, we always made it; and somehow Betty stuck with us and assisted us with our problem, solution, and process, even though she worried more about us than we did.”

20 – The Wealthy Barber | By David Chilton

Even if you consider yourself a financial “basket case,” Chilton explains how you can easily put an effective financial plan into action.

In this third edition of one of the biggest-selling financial-planning books ever, David Chilton simplifies the complex puzzles of personal finance and helps you achieve financial independence. With the help of his fictional barber, Roy, and a large dose of humor, Chilton shows you how to take control of your financial future–slowly, steadily, and with sure success. Chilton’s plan (detailed in an entertaining story) is no get-rich-quick scheme, but it does make financial independence possible on nothing more than an average salary.

Quotes from The Wealthy Barber;

“Wealth beyond your wildest dreams is possible if you follow the golden rule: Invest ten percent of all you make for long-term growth. If you follow that one simple guideline, someday you’ll be a very rich man.”

“A dollar saved is two dollars earned.”

“I live in a 1,300-sq.-foot house – and that’s including the basement. And I don’t even have a garage. I live in a very tiny house.”

“By saving ten percent of your pay now, you virtually guarantee yourself financial freedom later in life. Only a fool would say no to that. So, start now and don’t stop!”

“I think people should spend more on experiences and less on stuff, but then again, within the context of affordability.”

21 – All Your Worth | By Elizabeth Warren and Amelia Warren Tyagi

You work hard and try to save money, so why is there never enough to cover all the bills, to put some away in your child’s college fund, to pay off your credit card debt—or to relax and have some fun, for once? In the New York Times bestseller, All Your Worth, mother/daughter team Elizabeth Warren and Amelia Warren Tyagi—authors of the acclaimed The Two-Income Trap—tell you the truth about money. The authors lay out a groundbreaking approach to getting control of your money so you can finally start building the life you’ve always wanted. As a result of more than twenty years of intensive research, All Your Worth offers you a step-by-step plan that will let you master your finances—for the rest of your life.

The secret? It’s simple, really: get your money in balance. Warren and Tyagi show you how to balance your money into three essential parts: the Must-Haves (the bills you have to pay every month), the Wants (some fun money for right now), and your Savings (to build a better tomorrow). No complicated budgets, no keeping track of every penny. Warren and Tyagi will show you a whole new way of looking at money—and yourself—that will help you get your finances on track so you can enjoy peace of mind for the rest of your life.

Quotes from All Your Worth;

“Everything we stand for can be expressed in terms of how we spend our money.”

22 – How to Manage Your Money When You Don’t Have Any | By Erik Wecks

Unlike many personal finance books, How to Manage Your Money When You Don’t Have Any was specifically written for Americans who struggle to make it on a monthly basis. It provides a respectful, no-nonsense look at the difficult realities of our modern economy, along with an easy follow the path toward better financial stability that will give hope to even the most financially strapped households. Created by a financial expert who hasn’t struck it rich, How to Manage Your Money When You Don’t Have Any offers a first-hand story of financial survival in the face of rough times. Rather than emphasizing wealth creation, How to Manage Your Money When You Don’t Have Any teaches readers to do the best they can with their income no matter its size. Content-rich, personal, and jargon-free, the book is opinionated and at times humorous. Full of current everyday references, it is meant to be a quick read that will appeal to the average reader just struggling to make ends meet.

23 – Why Didn’t They Teach Me This in School | By Cary Siegel

Bestselling 5 Star Graduation Gift for both College and High School grads! Recommended by eBay, Forbes, Lifehack, Elite Daily, Real Simple, and Bustle. Why do high schools and colleges require students to take courses in English, math, and science, yet have absolutely no requirements for students to learn about personal money management? Why Didn’t They Teach Me This in School? 99 Personal Money Management Lessons to Live By was initially developed by the author to pass on to his five children as they entered adulthood. As it developed, the author realized that personal money management skills were rarely taught in high schools, colleges, and even in MBA programs. Unfortunately, books on the subject tend to be complicated, lengthy reads. The book includes eight important lessons focusing on 99 principles that will quickly and memorably enhance any individual’s money management acumen. Unlike many of the personal money management books out there, this book is a quick, easily digested read that focuses more on the qualitative side than the quantitative side of personal money management. The principles are not from a textbook. Rather, they are practical principles learned by the author as he navigated through his financial life. Many are unorthodox in order to be memorable and provoke deeper thought by the reader

24 – Smart Couples Finish Rich | By David Bach

#1 New York Times bestselling author David Bach has helped millions of couples plan for a future they love with more than 7 million of his books in print. And now, completely updated and revised, Smart Couples Finish Rich, America’s favorite money book, is back. You’ll discover the latest techniques to live a life as a couple, where your values align and your money decisions become easier. Whether newlyweds, a couple planning for retirement or already retired, this timeless classic provides couples with easy-to-use tools that cover everything from credit card management to detailed investment advice to long term care. Together you’ll learn why couples who plan their finances together, stay together!

Quotes from Smart Couples Finish Rich;

“all the money in the world won’t make you happy if what you do with it conflicts with your values.”

“When it comes to money, just having heard of something isn’t enough; you’ve got to know what it means.”

“It’s not what you know about money—it’s what you don’t know that can wipe you out.”

“AARP goes on to say that 75 percent of Americans between the ages of 55 and 64 have less than $30,000 in savings. Seriously, reread that statement.”

25 – Your Mortgage and How to Pay It Off in 5 Years | By Anita Bell

How many more decades before your mortgage is paid off? How many tens of thousands of dollars in interest will you pay between now and then? This book shows how to free yourself.

Anita Bell and her husband, Jim, paid off a three-bedroom brick home on a combined income of less than $50,000 when interest rates were at 17%. And they did it in three years. Now you can do it too.

In simple no-nonsense steps, Anita shows you how to save the deposit, how to secure the right loan, how to find the right house or flat, how to get it at the right price, and how to make it all yours. Using down to earth advice that really works (you’ll love the Sanity Allowance), Your Mortgage and How to Pay It Off in Five Years gives you all the practical help you need to own your own home outright sooner than you ever believed possible.

26 – Rich Dad’s Guide to Investing | By Robert Kiyosaki

Investing means different things to different people… and there is a huge difference between passive investing and becoming an active, engaged investor. Rich Dad’s Guide to Investing, one of the three core titles in the Rich Dad Series, covers the basic rules of investing, how to reduce your investment risk, how to convert your earned income into passive income… plus Rich Dad’s 10 Investor Controls.

The Rich Dad philosophy makes a key distinction between managing your money and growing it… and understanding key principles of investing is the first step toward creating and growing wealth. This book delivers guidance, not guarantees, to help anyone begin the process of becoming an active investor on the road to financial freedom.

Quotes from Rih Dad’s Guide to Investing;

“The person becomes attached to the vehicle and then fails to see all the other investment vehicles and procedures available.”

“I think of money only as a medium of exchange. In reality, money by itself has very little value. So as soon as I have money, I want to exchange it for something of real value. The irony is that many people who cling desperately to money spend that money on things of very little value—and that is why they are poor.”

“It’s not what we say out loud that determines our lives. It’s what we whisper to ourselves that has the most power.”

“Life is a cruel teacher. It punishes you first, and then gives you the lesson.”

“Whatever your reality is about money inside of you is the reality of money outside of you. You cannot change your outside reality until you first change your inside reality about money.”

“Your brain can be your most powerful asset. But if not used properly, it can be your most powerful liability.”

“He said it was better to work years at creating an asset rather than to spend your life working hard for money to create someone else’s asset.”

“As Winston Churchill said, “Success is the ability to go from one failure to another with no loss of enthusiasm.”

27 – Why We Want You to be Rich | By Donald Trump and Robert Kiyosaki

Donald Trump and Robert Kiyosaki are both concerned. Their concern is that the rich are getting richer, but America is getting poorer. The entitlement mentality is epidemic, creating people who expect their country, employer, or family to take care of them. And like the polar ice caps, the middle class is disappearing. America is becoming a two-class society, and soon you will be either rich or poor. Trump and Kiyosaki want you to be rich.

Both are successful businessmen and natural teachers who share a passion for education. They have joined forces to address these challenges because they believe you cannot solve money problems with money – you can only solve money problems with financial education. Trump and Kiyosaki want to teach you to be rich. Why We Want You to Be Rich was written for you.

28 – Rich Dad’s Retire Young Retire Rich | By Robert Kiyosaki

If you don’t plan on working hard all your life… this book is for you. If you’re ready to retire (or want to retire early enough to enjoy your retirement years) you can learn from Robert’s story of how he and his wife Kim started with nothing and ‘retired’—financially free—in less than 10 years. This book makes the case for how a context shift in the way we think about money and investing allows us to see opportunities others miss and create the life you deserve.

Quotes from Rich Dad’s Retire Young Retire Rich;

“It’s their mental reality that makes them poor,”

“A person will seek verification of the reality they want to believe in”

“So one of the differences between a small business owner and a big business owner is that an S (small business or self-employed) business owner serves people personally and a B (big business owner) owner uses a system to serve as many people as possible”

“The quadrants with the most control over taxes, the highest leverage potential for labor-free income, and the most legal tax advantages are the B and I (Investor) quadrants”

“to retire young and retire rich, all I needed to do was find out how to be more and more generous”

“Study to learn, not for grades”

“It is hard to become rich working for money. If you want to become really rich, learn how to build, buy, or create assets”

“An employee today pays for many of life’s finer things with after-tax dollars”

“the interest you earn on your savings is also subject to higher taxes”

29 – Rich Dad’s Guide to Becoming Rich | By Robert Kiyosaki

There are “financial experts” who advise people to take out their credit cards and cut them up. And that may be a good plan for someone who is financially irresponsible, it’s not great advice for someone who wants to build wealth and become financially free. Cutting up your credit cards won’t make you rich; learning to leverage and manage debt will.

If a person has a solid financial education they will know that there are two kinds of debt: good debt and bad debt. A person who understands debt will know how to use good debt to make them richer faster. And when we take control and learn to manage bad debt, seeing it for what it is, and understanding the toll it can take if abused, we are on the road to financial freedom.

Learn how to make your money work hard for you… instead of you working hard for money all your life. Understanding debt and how to use and leverage it is an important first step.

Quotes from Rich Dad’s Guide to Becoming Rich;

“The person becomes attached to the vehicle and then fails to see all the other investment vehicles and procedures available.”

“As Winston Churchill said, “Success is the ability to go from one failure to another with no loss of enthusiasm.”

“Whatever your reality is about money inside of you is the reality of money outside of you. You cannot change your outside reality until you first change your inside reality about money.”

“Your brain can be your most powerful asset. But if not used properly, it can be your most powerful liability.”

“He said it was better to work years at creating an asset rather than to spend your life working hard for money to create someone else’s asset.”

“I think of money only as a medium of exchange. In reality, money by itself has very little value. So as soon as I have money, I want to exchange it for something of real value. The irony is that many people who cling desperately to money spend that money on things of very little value—and that is why they are poor.”

30 – Get a Financial Life | By Beth Kobliner

A completely revised and updated fourth edition of the New York Times bestseller, designed to guide younger adults through the world of personal finance.

More than ever before, people in their twenties and thirties need help getting their financial lives in order. And who could blame them?

These so-called millennials have come of age in the wake of the worst economic crisis in memory, and are now trying to get by in its aftermath. They owe record levels of student loan debt, face sky-high rents, and struggle to live on a budget in an uncertain economy.

It’s time for them to get a financial life.

For two decades, Beth Kobliner’s bestseller has been the financial bible for people in their twenties and thirties. With her down-to-earth style, she has taught them how to get out of debt, learn to save, and invest for their futures. In this completely revised and updated edition, Kobliner shares brand-new insights and concrete, actionable advice geared to help a new generation of readers form healthy financial habits that will last a lifetime. With fresh material that reflects the changing digital world, Get a Financial Life remains an essential tool for young people learning how to manage their money.

From tackling taxes to boosting credit scores, Get a Financial Life can show those just starting out how to decrease their debt, avoid common money mistakes, and navigate the world of personal finance in today’s ever-changing landscape.

Quotes from Get a Financial Life;

“If your expenses are higher than your income, you need to find ways to cut back – which can be painful at first.”

“When you feel strapped and are living from paycheck to paycheck, saving money for anything – particularly retirement – seems impossible. But you must make saving a priority, because the benefits of starting early can’t be overstated.”

It can be difficult to do, but everyone can benefit from making the effort.

31 – Rich Dad’s Cashflow Quadrant | By Robert Kiyosaki

Rich Dad’s CASHFLOW Quadrant is a guide to financial freedom. It’s the second book in the Rich Dad Series and reveals how some people work less, earn more, pay less in taxes, and learn to become financially free.

CASHFLOW Quadrant was written for those who are ready to move beyond job security and enter the world of financial freedom. It’s for those who want to make significant changes in their lives and take control of their financial future.

Robert believes that the reason most people struggle financially is that they’ve been spent years in school but were never been taught about money. Robert’s rich dad taught him that this lack of financial education is why so many people work so hard all their lives for money… instead of learning how to make money work for them.

This book will change the way you think about jobs, careers, and owning your own business and inspire you to learn the rules of money that the rich use to build and grow their wealth.

Quotes from Rich Dad’s Cashflow Quadrant;

“Success is a poor teacher”

“You will never know true freedom until you achieve financial freedom.”

“Winston Churchill once said: “Personally, I am always ready to learn, although I do not always like being taught.”

“If you want to be a leader of people, then you need to be a master of words.”

“Many people will not head down the street until all the lights are green. That is why they don’t go anywhere.”

“Thinking is the hardest work there is. That is why so few people engage in it.”

“What do you think about me is not my business the important thing is what I think about myself …”

32 – Financial Freedom | By Grant Sabatier

Money is unlimited. Time is not. Become financially independent as fast as possible.

In 2010, 24-year old Grant Sabatier woke up to find he had $2.26 in his bank account. Five years later, he had a net worth of over $1.25 million, and CNBC began calling him “the Millennial Millionaire.” By age 30, he had reached financial independence. Along the way he uncovered that most of the accepted wisdom about money, work, and retirement is either incorrect, incomplete, or so old-school it’s obsolete.

Financial Freedom is a step-by-step path to make more money in less time, so you have more time for the things you love. It challenges the accepted narrative of spending decades working a traditional 9 to 5 job, pinching pennies, and finally earning the right to retirement at age 65, and instead offers readers an alternative: forget everything you’ve ever learned about money so that you can actually live the life you want.

Sabatier offers surprising, counter-intuitive advice on topics such as how to:

*  Create profitable side hustles that you can turn into passive income streams or full-time businesses
*  Save money without giving up what makes you happy
*  Negotiate more out of your employer than you thought possible
*  Travel the world for less
*  Live for free–or better yet, make money on your living situation
*  Create a simple, money-making portfolio that only needs minor adjustments
*  Think creatively–there are so many ways to make money, but we don’t see them.

But most importantly, Sabatier highlights that, while one’s ability to make money is limitless, one’s time is not. There’s also a limit to how much you can save, but not to how much money you can make. No one should spend precious years working at a job they dislike or worrying about how to make ends meet. Perhaps the biggest surprise: You need less money to “retire” at age 30 than you do at age 65.

Financial Freedom is not merely a laundry list of advice to follow to get rich quickly–it’s a practical roadmap to living life on one’s own terms, as soon as possible.

Quotes from Financial Freedom;

“One of the most profound lessons I’ve learned along the way is that most of the ‘accepted wisdom’ about money, work and retirement is either incorrect, incomplete or so old-school it’s obsolete.”

“Given that you have only a limited amount of time, the most lucrative side hustles are ones that generate passive income – that is to say, money you can earn without actively having to do anything.”

“A quick tip that will pay huge dividends in your career and life: Reach out to one new person a week and ask them out to lunch, even if their job has nothing to do with yours.”

“The next time you go to buy something, ask yourself, ‘How much of my life am I trading for it? How many hours do I have to work to afford that three-dollar cup of coffee?’”

“If you want to reach financial independence as quickly as possible, you need to go all out. You need to find ways to make as much money, save as much money, and invest as much money as possible.”

“You aren’t the same person you were five years ago, and you won’t be the same person five, 10 or 20 years from now. This is why your number will, and should, change as you change.”

33 – This is the Year I Put My Financial Life In Order | By John Schwartz

Money management is one of our most practical survival skills—and also one we’ve convinced ourselves we’re either born with or not. In reality, financial planning can be learned, like anything else. Part financial memoir and part research-based guide to attaining lifelong security, This Is the Year I Put My Financial Life in Order is the book that everyone who has never wanted to read a preachy financial guide has been waiting for.

John Schwartz and his wife, Jeanne, are pre-retirement workers of an economic class well above the poverty line, but well below the one percent. Sharing his own alternately harrowing and hilarious stories—from his brush with financial ruin and bankruptcy in his thirties to his short-lived budgeted diet of cafeteria french fries and gravy—John will walk you through his own journey to financial literacy, which he admittedly started a bit late. He covers everything from investments to retirement and insurance to wills (at fifty-eight, he didn’t have one!), medical directives, and more. Whether you’re a college grad wanting to start out on the right foot or you’re approaching retirement age and still wondering what a 401(K) is, This Is the Year I Put My Financial Life in Order will help you become your own best financial adviser.

Quotes from This is the Year I Put My Financial Life in Order;

“Money might not make us all crazy, but it can be one way that we focus and express our craziness.”

“Debt is a personal story, but it has enormous implications beyond individual families.”

“Unless the local real estate market is so hot that bidding wars are turning into fistfights, you can afford to be picky.”

“I can’t say we’re the best example of financial stability, but we had good lessons before us when it comes to energy and drive, at least.”

“It’s depressingly common, and nothing new, to blame the poor for being poor.”

“The prospects for the younger generations to outstrip their parents in earning power has diminished greatly over time.”

“The biggest change in the world of retirement is that Americans are living longer.”

34 – Happy Money | By Ken Honda

Too often, money is a source of fear, stress, and anger, often breaking apart relationships and even ruining lives. We like to think money is just a number or a piece of paper, but it is so much more than that. Money has the ability to smile, it changes when it is given with a certain feeling, and the energy with which it imbues us impacts not only ourselves but for others as well.

Although Ken Honda is often called a “money guru,” his real job over the past decade has been to help others discover the tools they already possess to heal their own lives and relationships with money. Learn how to treat money as a welcome guest, allowing it to come and go with respect and without resentment; understand and improve your money EQ; unpack the myth of scarcity; and embrace the process of giving money, not just receiving it.

This book isn’t to fix you, because as Ken Honda says, you’re already okay!

Quotes from Happy Money;

“Your money – and hence your life – is a reflection of your beliefs about money.”

“Making money means being true to yourself and then being able to share your abilities with the world.” 

“People who become wealthy slowly and deliberately over time tend to keep the money for a long time as well.”

“We really do have the power to choose how we will enter into the future.”

“To overcome jealousy, fear, greed and prejudice, we must eliminate the idea of scarcity – the idea that things just aren’t ‘fair’.”

“Stop and think about what you want and start moving in that direction.”

“Those who were focused not on accumulating things but rather on experiencing things and being fully alive in the present moment (Zen!) felt the best about how they spent their money.”

Final Thoughts on the Best Books on Personal Finance

Personal finances keep the wheels of your individual economy turning. Whether you want to buy a house, save for retirement, pay off a mortgage sooner, or invest in real estate. Personal finances don’t have to be a daunting task to grab a hold of. The list of the best books on personal finance is a solid list that should get you to control your personal finance. Obviously, there is no easy answer or easy solution. As Robert Kiyosaki demonstrates that your financial IQ must be increased to whether to financial hurdles and obstacles. Nevertheless, the knowledge is there and it will start with this collection of personal finance books.

Happy reading!

Do you see a book that you think should be on the list? Let us know your feedback here.