Sometimes, I look back at my twenties and I just shake my head. I was so focused on the now – the immediate fun, the latest trends – that I didn’t really think about what the future held. It wasn’t that I was irresponsible, just… distracted. My grandma, a woman who lived through some tough times, always used to tell me, “A little bit saved today is a lot tomorrow.” I didn't fully understand it then, but as life got more complicated, and as I watched friends struggle with unexpected bills or worry about retirement, her words really stuck with me.
Building financial security isn’t about getting rich quick. It’s about making smart choices, learning from others, and creating a foundation for a more peaceful and confident future. It’s about having options, and feeling in control. That’s why I’ve put together this list of books – not to make you an expert, but to give you the tools and the encouragement to start a conversation with yourself about money, and to take those first steps toward a brighter financial future. Let's explore these resources together.
Financial Freedom: A Proven Path to All the Money You Will Ever Need
I just finished reading this incredible book that has changed my perspective on money and how to live a fulfilling life. The author's story is truly inspiring - he went from having just $2.26 in his bank account to becoming one of the "Millennial Millionaires" by the time he was 30. It's a testament to the power of hard work, determination, and a willingness to challenge the status quo. What I love about this book is that it offers a step-by-step path to achieving financial independence, rather than just promising quick fixes or get-rich-quick schemes. The author provides practical advice on how to create profitable side hustles, save money without sacrificing happiness, and negotiate better deals with your employer. He also shares his own experiences of traveling the world on a shoestring budget and living for free. What struck me most about this book is that it highlights the importance of time, not money, when it comes to achieving financial freedom. The author shows that while one's ability to make money is limitless, one's time is limited, and it's up to us to make the most of it.
Discover this book on Amazon (affiliate link)
She's on the Money
This book is a game-changer for anyone looking to take control of their finances and build a more secure future. The author, a financial expert and podcast host, has built a community of like-minded women who share her passion for empowering others to achieve financial freedom. Through her podcast and now in book form, she shares practical advice and real-life stories from her community members who have successfully turned their financial situations around. The book is designed to be accessible and easy to understand, making it perfect for anyone who feels stuck with money or wants to improve their financial literacy. The author's approach is honest, relatable, and non-judgmental, making it feel like you're having a conversation with a trusted friend who's been there too. One of the things that stands out about this book is the way it tackles the psychology of money, helping you identify and overcome the negative thoughts and behaviors that may be holding you back. The author provides clear steps and guidance on how to budget, pay off debt, save, invest, and even buy property, making it feel like you have a personalized financial plan. The book also includes real-life stories from the community, which adds a sense of inspiration and motivation to the pages. Throughout, the author includes templates and activities to help you put her recommendations into action, as well as a 12-month plan to get you started. What's most inspiring about this book is the sense of community it fosters - you're not alone on your financial journey, and with the right tools and mindset, you can achieve more than you ever thought possible. The author's passion and expertise shine through on every page, making this book a must-read for anyone looking to take control of their finances and build a more secure future.
Discover this book on Amazon (affiliate link)
If You Can: How Millennials Can Get Rich Slowly
This booklet is a must-read for anyone looking to take control of their financial future. The author's passion for helping millennials invest for retirement is clear, and their approach is both refreshing and straightforward. The idea that with just 15% of one's salary set aside in a low-cost target fund or simple three-fund index allocation for 30 to 40 years, one can build a solid foundation for long-term financial stability is both surprising and empowering. What's more, the author acknowledges that this may not be easy, and that's precisely why they've written this booklet - to provide a clear and accessible guide through the often-overwhelming world of personal finance. The author's experience working with clients who have fallen victim to the pitfalls of the financial industry, such as lack of savings and poor investment choices, is palpable. The booklet is a gentle and non-judgmental companion on this journey, offering practical advice and real-world examples to help readers navigate the complex landscape of financial planning. By taking control of their finances, individuals can break free from the grip of debt, build wealth, and achieve a sense of security and peace of mind.
Discover this book on Amazon (affiliate link)
Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances
This book is a wonderful resource for anyone looking to have open and productive conversations with their parents about their finances as they age. I can definitely relate to the anxiety and uncertainty that comes with this conversation. As I worked on helping my own parents with their finances, I realized how daunting it can be to bring it up, especially when it involves sensitive topics like long-term care and end-of-life planning. But what I learned is that approaching the conversation with empathy, understanding, and a clear plan can make all the difference. The book provides a wealth of information and practical strategies to help you navigate these conversations, from conversation starters to essential financial and legal information. You'll hear from others who have gone through similar experiences and learn from their stories of successfully talking money with aging parents. What I love about this book is that it empowers you with the courage, hope, and motivation to tackle these difficult subjects and turn them into meaningful actions. The author's approach is compassionate and supportive, making it easy to read and understand, even for those who may not have a background in finance or law. With this book, you'll gain the confidence to have fruitful conversations that lead to a better outcome for both you and your parents.
Discover this book on Amazon (affiliate link)
Becoming Your Own Banker: Unlock the Infinite Banking Concept
This book is a game-changer for anyone looking to take control of their financial future. It explains how a simple concept called the Infinite Banking Concept can help you generate a steady stream of income and wealth over your lifetime. The author argues that the traditional approach to saving and investing is often flawed and that most people need a more innovative solution to meet their financial needs. By understanding how to use dividend-paying whole life insurance, you can essentially become your own banker and start building wealth for yourself, rather than relying on outside sources. This concept has been around for centuries, but it's surprising that it hasn't been more widely adopted by the financial industry, which is why the author is providing this education to the masses. The book is written in a clear and accessible way, making it easy for anyone to understand, regardless of their financial background. The author's passion and enthusiasm for this concept are palpable, and their desire to share this knowledge with others is evident throughout the book. As you read through this book, you'll learn how to create a personalized financial plan that puts you in the driver's seat, allowing you to make informed decisions about your money and achieve financial freedom.
Discover this book on Amazon (affiliate link)