5 Must-Read Personal Finance Books for Young Adults

It’s never too early to start saving for retirement and emergencies, investing, and learning to budget. Young adults are at an advantage because they have time on their side. The earlier you start saving, the better, thanks to the time value of money. If you’re overwhelmed by all the financial advice out there and don’t know where to start, we have book recommendations specifically for beginners. Read on for books to help you start your financial planning journey.


Personal Finance Books for Young Adults

The following books are specifically written with young adults (millennials) in mind. *

Get a Financial Life: Personal Finance in Your Twenties and Thirties

Millennials came of age in the worst economic crisis in memory. They struggle with record levels of student loan debt, sky-high rents, and living on a budget in an uncertain economy. From tackling taxes to boosting credit scores, Get a Financial Life shows helps those just starting out navigate the ever-changing world of personal finance. Buy it here. (affiliate link).

Money Honey: A Simple 7-Step Guide for Getting Your Financial $hit Together

An avid investor and business owner, author Rachel Richards talks straight about how to attain financial freedom. Money Honey will teach you how to double your income and halve your expenses, consolidate your student loans and lower your interest rate, open a brokerage account so that you can start investing in the stock market, and allocate your money between debt payoff, short-term savings, and retirement. Buy it here. (affiliate link)

I Am Net Worthy – The Financial Master Plan For Millennials

I Am Net Worthy is structured around 83 “Net Worthy Nuggets,” which are short, essential pieces of financial wisdom. Author Chris Smith teams up with a different millennial co-author in each chapter, resulting in an authentic, engaging read. You’ll learn about big spending mistakes most people make, whether buying a home is right for you, and how to invest for the long-term. Buy it here. (affiliate link)

Broke Millennial: Stop Scraping By and Get Your Financial Life Together

Unlike most personal finance books out there, Broke Millennial doesn’t just cover boring stuff like credit card debt, investing, and budgeting. Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face in real life. Advice includes understanding your relationship with money, managing student loans without panicking, and what to do when you’re out with friends and can’t afford to split the bill evenly. Buy it here. (affiliate link)

The Financial Diet: A Total Beginner’s Guide to Getting Good with Money 

“The Financial Diet is the personal finance book for people who don’t care about personal finance.”

The book gives you tools to make a budget, understand investments, and deal with your credit. But author Chelsea Fagan demonstrates that being smart about money isn’t just about what you put in the bank. The Financial Diet will teach you how to get good with money in a year, the ingredients for a budget-friendly kitchen, and how to talk about awkward money stuff with your friends. Buy it here. (affiliate link)

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*Amazon links are affiliate