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Hey millennial, its not too late to get your money game on track and now that we’ve survived a whole pandemic there’s no better time than now to get started. We’ve complied the top 12 best finance books for beginners, specifically millennial beginners, all in one place and we are excited to share it with you!
If you’ve found yourself searching for what book to read to make money you may be asking the wrong question. A better place to start is with your current money mindset, your current financial situation, and your current level of financial literacy and that’s where personal finance comes in.
This is where you build that strong foundation and healthy relationship with money that will help you create long lasting wealth for decades to come.
TLDWR? (Too long don’t wanna read?)
| Summary of the best financial books for millennial beginners: Ritch Bitch by Nicole Lapin Money Honey by Rachel Richards You Are A Badass At Making Money by Jen Sincero Rich As F*ck by Amanda Frances Broke Millennial by Erin Lowry The Financial Diet by Chelsea Fagan The Money Manual by Tonya B Rapley Clever Girl Finance by Bola Sokunbi Rich Dad Poor Dad by Robert T. Kiyosaki Your Money Or Your Life by Vicki Robin I Will Teach You To Be Rich by Ramit Sethi 4 Hour Work Week by Timothy Ferriss |
Why should you read books about personal finance anyways?
Money is something you’re going to need for the rest of your life. It’s basically going to be the longest relationship you ever get yourself into.
That’s right, you and money are in it til death do you part and because of that you’re gonna want to make this relationship one of the healthiest relationships you have. It’s time to stop thinking of money like that tinder guy whose past 30 and still uses snapchat as a form of communication.
Instead, we want you to think of money as that dreamboat who always calls you back, brings you flowers for no reason, and treats you like a queen. Because that’s the level you and money need to be at to make it to the finish line.
As we mentioned earlier, upping your money game starts with sharpening your personal finance skills so that you can build that strong foundation for stacks of money to grow on. Personal finance books are the cheap universiTEA that will get you there.
Are all financial books the same?
While there are many financial literacy books for beginners out there that are teaching the same money concepts, they are not the exact same. The main difference lies in how easy they are to digest and understand.
While some can be very boring and confusing, others do a great job of breaking down the money concepts into easy practical steps that you can follow to build long lasting wealth. Our list of the best financial books is filled with books like those.
Another key difference in financial books are the vast topics within the financial industry. There are investing books for beginners, budgeting books for beginners, and even money making books for beginners, just to name a few.
The best finance books for millennial beginners
The following are our picks for the best books to start learning about finance. While they aren’t the best personal finance books of all time, we like them anyways because they are easy to implement, not boring, and focus on a mix of personal finance concepts and the mindset you’ll need to create long lasting financial freedom!
Rich Bitch by Nicole Lapin
Starting out our list of best finance books for beginners is Rich Bitch which is a simple 12 step plan for finally getting your financial life together. Inside, money expert and financial journalist Nicole Lapin, puts her modern spin on money “wisdom” and provides a financial plan that is not only easy to understand but also to sustain. It will inspire you to go after the rich life you dream of.
Why we like it:
Nicole get honest about her very own money mistakes with her “Confessions Of A Rich Bitch” that makes this book highly relatable. We also love her “BITCH TIPS” scattered throughout the book and her how-to guides on budgeting, long term goal settings, credit cards, and so much more. Order your copy here!
Money Honey by Rachel Richards
Money Honey is a simple 7 step plan to getting your “financial $hit together.” Inside the book, Rachel Richards, a formal financial advisor and business owner, does a great job bringing humor and personality to the subject that is personal finance. She’ll keep you entertained while also showing you how to reach financial freedom.
Why we like it:
Rachel eases you into the need to know topics of finance starting out with how to double your income and halve your expenses, then eventually leads you to making your very first trade in the stock market with step by step images to walk you through it! We love a girl who invests her money for long term wealth! Order your copy here!
You Are A Badass At Making Money by Jen Sincero
In You Are A Badass At Making Money, Jen Sincero gives powerful mindset hacks that she used to go from living in someone’s garage with a negative bank account to traveling the world in style. Her financial empowerment tips will give you the tools and the permission to make the kind of money you’ve always dreamed of. We just had to add this one to our list of best personal finance books for millennial beginners!
Why we like it:
Jen is a world renowned success coach and her tactics are life changing. This book goes beyond financial concepts like budgeting and paying down debt, and into your doubts, fears, and excuses that are stopping you from financial freedom in the first place. Here at Girl Unfinished HQ, we’re all about having that strong foundation to build upon. Jens advice and knowledge, because it goes deep into the psyche, does just that! Order your copy here!
Rich As F*ck by Amanda Frances
Rich As F*ck is your blueprint for becoming wealthy (as fuck) teaching you to see money for what it really is and helping you realize your power over your finances. Inside, Amanda Frances demystifies the topic of money and cracks the code of financial abundance. If money has always been a problem for you, this book holds your answer.
Why we like it:
Amanda teaches you how to bust through the limiting beliefs that hold you back from financial freedom. She focuses on the power of manifestation to teach you exactly how she went from broke to Rich As F*ck, and her homework at the end of every chapter will take your money mindset to the next level and straight into “more money than you know what to do with” Order your copy here!
RELATED READS: What Is Manifestation & How Does It Work
Broke Millennial by Erin Lowry
Broke Millennial is a financial roadmap that shows you how to stop living paycheck to paycheck and get your financial life together. Inside, financial expert Erin Lowry, goes beyond basic money matters like budgeting and debt payoff, into real life money situations that most millennials face today. Her refreshingly simple advice will help you go from financially clueless millennial to a millennial money master!
Why we like it:
Erin creates her books with the millennial audience in mind and we love that. She’s shares her own very true and very funny experiences with money, making her highly relatable. She also gives you tips on how to handle situations like splitting the bill with friends when you can’t afford it and how to have the uncomfortable conversation with your partner about their financial situation. Order your copy here!
The Financial Diet by Chelsea Fagan
The Financial Diet is a personal finance book for people who don’t really care about the topic but know that they need to get their financial shit together. Author Chelsea Fagan, consulted with a wide range of experts to bring you tips on how to make a a budget (and stick too it), deal with your credit, and understand investments. But she doesn’t stop there, this book is also packed with tips like how to have a budget friendly kitchen, how to tend to your home like a grown up, and the perfect cocktail recipe for celebrating your money accomplishments.
Why we like it:
Chelsea understands that being great with money isn’t just about what you have in your bank account. She knows that it’s also about the clothes you wear, the food you put in your kitchen, and the awkward money conversations you may or may not be having with friends. For the girl who doesn’t care about money but knows she needs to, this one is a great option! Order your copy here!
The Money Manual by Tonya B Rapley
The Money Manual is a practical guide to help you succeed on your financial journey. Millennial money expert, Tonya B Rapley, designed the book in a way that will help you cut through the financial clutter that often leads to anxiety and overwhelm. Her tips and advice will give you the knowledge and skills you need to improve your financial situation within the next 6 months.
Why we like it:
We love that Rapley gives her advice with mental health in mind. Her goal is to show you that money doesn’t have to be stressful and that you don’t need a degree to get a handle on it. She gives you the information you need to know that also empowers you to take action and leaves out the anxious overwhelm. Order your copy here!
Clever Girl Finance by Bola Sokunbi
Clever Girl Finance by money expert Bola Sokunbi, is a personal finance book leading you to take charge of your finances and achieve financial independence. This easy to digest book will encourage you to start talking more about money and financial wellness. It’s your guide to navigating the murky waters of personal finance and make it out alive on the other side. The valuable lessons inside this book will put you on the path straight towards your financial success.
Why we like it:
Sokunbi is the face behind the hugely popular website, Clever Girl Finance, and is a true financial force to be reckoned with. Her guidance on ditching debt, saving money, and building long term wealth has helped thousands of women on their journey to financial freedom. Order your copy here!
RELATED READS: 7 Steps To Manifesting More Money!
Rich Dad Poor Dad by Robert T. Kiyosaki
Rich Dad Poor Dad was first published in 1997 and has now become the #1 personal finance book of all time. Inside, author Robert Kiyosaki tells his story of growing up with two dads, his real father and his best friends father-his rich dad and how both men shaped his thoughts about money in two very different ways. The subtitle “What The Rich Teach Their Kids About Money That The Poor And Middle Class Do Not” lives up to the hype by busting myths like you need to earn a high income to become rich and explains the difference between working for money and having your money work for you.
Why we like it:
Taking an inside look at the mindsets and advice of the poor man and the rich man is quite interesting and gives you a better understand of why there is a huge societal gap between the wealthy and the poor (hint: mindset is everything!). In its updated version written on the 20th anniversary of the book, Kiyosaki shows how the ideas and principles he learned from his rich dad still ring true today, it’s no wonder this book is at the top of every best finance books list! Order your copy here!
Your Money Or Your Life by Vicki Robin
Much like our previous choice Rich Dad Poor Dad, Your Money Or Your Life has stood the test of time as the go to book for taking back control of your life by changing your relationship with money for over 25 years. It’s 9 step program to transforming your relationship with money and achieving financial independence has been followed by thousands of people. This book can help you no matter what stage of life you’re in.
Why we like it:
Vicki Robin mixes in mindfulness and good habits into her teachings so that you can not only fix your financial situation but also live more intentionally and meaningfully. Order your copy here!
I Will Teach You To Be Rich by Ramit Sethi
I Will Teach You To Be Rich is a no guilt, no excuses, no bs, 6 week program that just works! Inside, personal finance expert Ramit Sethi teaches you how to build wealth based on the rich life you want to have. He does this by teaching you concepts like how to choose long term investments, the right high interest bank accounts, and how to squeeze every hidden benefit out of your credit cards.
Why we like it:
We loved this book as soon as we read the first line…“buy as many lattes as you want…spend guilt free on things you love.” Yes, please! This approach to financial, although unorthodox, just works inside of Sethi’s program and it’s right up our alley! Order your copy here!
4 Hour Work Week by Timothy Ferriss
Ok so we may have thrown this into our list of best finance books for beginners as a bonus read. Because while it does not give you financial concepts like budgeting, investing, or paying off debt, it does show you how escape the rat race and live that luxury lifestyle we all dream of.
Inside, American investor and entrepreneur Timothy Ferriss shows you how he went from making $40k per year working 80 hours per week to making $40k per month working 4 hours per week! He uses his lifestyle design principles to teach you valuable tips like how to outsource your life to virtual assistants for $5 per hour and hire a private chef for less than $8 a meal. If you desire a lux life this book is for you!
Why we like it:
In a post pandemic world who doesn’t want to escape the 9-5 and create the life they want to live and not the life society says they have to live?? We love that Ferriss gives us these insider secrets of the rich so that we too can experience a luxury lifestyle! Sharing really is caring! Order your copy here!
Final Thoughts On Personal Finance Books For Beginners
If you’re thinking you’ve come to the finance game too late, you’re have not. No matter what stage of life you are in, it’s never too late to start sharpening your personal finance skills. Books about personal finance topics are a great place to start because they are inexpensive and provide you with a plethora of knowledge you can use to create a life filled with financial freedom and success.
We hope you have found this list of the best finance books for beginners helpful and that it leads you the path of financial freedom!
