top 13 personal finance book for a better financial future

do you wonder why there is a list of the best personal finance books in every book store or every online self-development page? why is it that people swear by these financial books instead of another fantasy novel? crazy, isn't it? well, not really. 🙃

as Indians, we were never taught about taxes, loans, investments or any other personal finances guidance in school. people learn the lesson of responsible finances quite late in life and we have no one but ourselves to blame.

but now, the times are changing. with the abundance of knowledge about personal finances on the internet, gen z and millennials are on top of their game. 🔥 but along with the internet, there are some books that every young person should read before they jump into the world of finance. here are some books that you can flex it out with and be the next wall street guru or a regular teen making thousands effortlessly. learn about the right steps for a bright future with these best financial books for beginners in their 20s.

top 13 personal finance books for beginners

1. The Millionaire Next Door by Thomas Stanley and William Danko

this book on personal finance is for all those readers who are entering the game of getting their finances together. the book busts the myth of how all rich people live in mansions and enjoy royal life. the authors point out how rich successful people are just like anyone else with some common traits that make them who they are. get your hands on one of the best personal finance books across the world.

price - INR 699 on Amazon

rating - 4/5

read for - inspiration and tips

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2. I Will Teach You To Be Rich by Ramit Sethi

this is a perfect read for independent souls who are just entering the real world. the author shares an outline of a 6-week plan that will have you living as the rich do. he will empower you to live a guilt-free life while spending responsibly. this quirky book will make you the master of getting out of late fee payments, earning profits without an investor commission, paying off student loans and more. there is a reason for this book to be one of the best finance books for beginners along with being a top seller.

price - INR 1050 on Amazon

rating - 4.1/5

read for - financial planning and beginner tips

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3. Rich Dad Poor Dad by Robert Kiyosaki

inspired by the author’s own father and his friend’s father, Rich Dad Poor Dad dives into the realities of what the author learnt about money while growing up. he talks about how you don’t need a lot of money to become rich, the right investments and what youngsters need to know about personal finances that their schools won’t teach them. this best personal finance book is a must-have on your reading shelf.

price - INR 240 on Amazon

rating - 4.1/5

read for - assets, liabilities and personal finance for kids

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4. Your Money or Your Life by Joe Dominguez and Vicki Robin

in this book, follow a nine-step plan to strengthen your relationship with money. the authors take you through a technique of not only becoming financially independent but also saving money and retiring early. this is the best personal finance book for debt management, early retirement and ecological approach to building wealth. yes, in an ecological way. learn how these financial habits can help you reduce waste and protect the environment.

price - INR 599 on Amazon

rating - 4/5

read for - debt management and early retirement

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5. The Total Money Makeover by Dave Ramsey

as the name suggests, get a total financial makeover with this book by Dave Ramsey. learn how to avoid the traps of services like rent to own, credit payment, advances, etc. the author also focuses on how you can save yourself on a rainy day by starting an emergency fund. read this best personal finance book and you’ll become the next savings fund guru amongst your friends. share the wisdom of savings, college funds, mortgages and more.

price - INR 359 on Amazon

rating - 4.2/5

read for - savings and emergency fund

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6. Why Didn’t They Teach Me This in School? by Cary Siegel

a question we all ask ourselves when we drown in the real world of finances, especially taxes and investments. well, worry no more. Siegel is here to rescue you with this best personal finance book for new graduates and teens. learn from a father’s first-hand experiences meticulously listed down for his children. his 99 principles and 8 money lessons for beginners is a great kickstart for youngsters looking for genuine and easy to follow financial advice.

price - INR 1248 on Amazon

rating - 5/5

read for - real-life finance experiences

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7. Broke Millennial by Erin Lowry

is that you? well, it looks like that's all of us. but don’t worry, this book addresses all your personal finance drama in a way that any millennial will understand. this quirky book talks to all those who are stepping into the journey of finances. from student loans to discussing money with your partner, this finance book for beginners has it all. there is no embarrassment of not knowing jazz about finances. it will make you laugh at how there are people lost exactly like you.

price - INR 850 on Amazon

rating - 3.9/5

read for - being open about finances and personal finances in your 20s

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8. Broke Millennial Takes On Investing by Erin Lowry

Erin Lowry didn’t just stop with her amazing tips on finances in her first book. she came back with a bang for us lost millennials with successful tips on investing. she sees us beyond a crowd that binges on Netflix. in this book she tackles our confusion when it comes to juggling between investments and piling debts. we millennials are in good hands when reading this best personal finance book on investments.

price – INR 411 on Amazon

rating – 4/5

read for – early investments

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9. Clever Girl Finance by Bola Sokunbi

as the name suggests, the author aims at educating a young generation with anecdotes on women’s finances in the real world. this easy-to-read finance book for beginners aims to encourage youngsters to look out for unnecessary expenses, budgeting and living by that budget. learn how to navigate through the maze of debts, credits and salary increments unapologetically directly from a businesswoman.

price - INR 1595 on Amazon

rating - 3.8/5

read for - being bold about personal finance

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10. The Financial Diet by Chelsea Fagan and Lauren Ver Hage

this book is perfect for beginners in their 20s as it lays the foundation of budgeting and savings. the authors dive into the lessons of investments and savings for retirement and debt repayments. it is known as one of the best personal finance books as its techniques are easy to follow and cover a range of topics that applies to us all as beginners.

price - INR 1384 on Amazon

rating - 3.4/5

read for - budgeting and early financing

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11. Spend Well, Live Rich by Michelle Singletary

inspired by the author’s grandmother who raised five kids on a less than average income, this personal finance book for beginners is a treat. it is all about making the most with a limited amount of money. the principles of money management in the book focuses on mantras that will empower you with financial freedom no matter what your financial situation is.

price - INR 1508 on Amazon

rating - 3.6/5

read for - inspiring personal finance and budgeting

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12. Retire Before Mom and Dad by Rob Berger

looking to retire early, this is where you begin. hop onto a journey with this best personal finance book where you can explore the path of early retirement. the book is inspired by the FIRE movement that stands for financially independent, retiring early. this is your one-stop solution to live independently when it comes to finances while attaining retirement well before the age as per the norms of society.

price - INR 1300 on Amazon

rating - 4.3/5

read for - early retirement and financial independence

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13. The Automatic Millionaire by David Bach

well, the name itself makes you want to read the book, doesn't it? and you should definitely read this book that teaches you how to automate your finances. a story of a young couple who achieve the perfect dream of purchasing houses, sending their kids to college and retiring early. it trains you to monitor your unconscious expenses and how it can make you stronger. this system not only pays you but automates your increasing wealth. deep dive into this best personal finance book for a financially smart future.

price - INR 610 on Amazon

rating - 3.9/5

read for - making a plan to build wealth

buy here -

so, what are you all waiting for?! these best personal finance books are waiting to make you rich and lead the race of responsible personal finance.

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