The Best Personal Finance Books to Read Now

Get in control over your finances with our recommended books for adults, children and young adults. Check out our list of the best personal finance books here.
Colby Brin
December 30, 2022
min read

The best personal finance books provide insight into tips, strategies and advice that let you build wealth and achieve financial independence and success.

So, without further ado, let’s look at some of the best titles you can read to improve your relationship with money this year.

The Best Personal Finance Books

Personal finance books are key for budgeting, saving, and investing and cover a broad range of topics and aspects that improve your financial health and well-being. Here, we introduce some insightful titles that will help to change your relationship with money and ensure that your finances work for you.

Stacked: Your Super Serious Guide to Modern Money Management by Joe Saul-Sehy and Emily Guy-Birken

Joe Saul-Sehy and Emily Guy-Birken are the brains behind the popular podcast Stacking Benjamins, and Stacked is their articulation of a financial philosophy that can help you become wealthy. The authors cover a vast range of topics, from side hustles to planning for emergencies, all in an engaging and lighthearted way.

One of the key takeaways from this brilliant book is how fun and approachable it makes the serious topic of money management, and you will be able to extract several helpful tips and strategies for growing your wealth.

Rich Dad, Poor Dad by Robert Kiyosaki

With millions of global sales spanning 25 years, Rich Dad, Poor Dad is nothing short of a literary classic as far as finance books are concerned. Kiyosaki expertly makes complex concepts and topics much more accessible to all readers, which is why this book has enjoyed such success over the years. 

As the title suggests, the author introduces us to two characters - a rich dad and a poor dad - demonstrating how your financial choices can dictate the trajectory of your life from a very young age. Thought-provoking, witty, and relatively lighthearted Rich Dad, Poor Dad will enhance your financial literacy and help you make better decisions when investing, saving, and budgeting your money.

The Simple Path to Wealth by JL Collins

Long before The Simple Path to Wealth became a roadmap to financial independence for millions of people, JL Collins authored the lessons within his book in a series of letters to his daughter. His goal was to provide his daughter with accessible information she could use once she was old enough to control her finances.

Because Collins’ advice proved to be sage, he was encouraged to share it outside of his family, resulting in the publication of The Simple Path to Wealth. As a result, we can all benefit from Collins’ advice and teachings, primarily on how to invest wisely and why compound income is crucial in achieving financial independence.

Don’t Retire…Graduate!: Building a Path to Financial Freedom and Retirement at Any Age by Eric Botman

In Don’t Retire…Graduate! Eric Botman challenges the notion that you should work your entire career in preparation for retirement. The book promises to offer a degree in financial education, enabling you to achieve financial independence while retiring whenever you like.

Botman introduces several super helpful strategies that you can utilise to improve your financial situation and draws upon real-life examples of people who have used his tips to retire early. The perfect book for anyone hoping to liberate themselves from financial dependency.

The Psychology of Money by Morgan Housel

In The Psychology of Money, Morgan Housel uses the power of short storytelling to outline how people relate differently to money. You can read each of the stories independently, making this the ideal financial reference book to dip in and out of for inspiration as and when you’re looking for insight, with parallels to The Richest Man in Babylon in this regard.

What’s so engaging about this book is that it permits you to learn from other people’s experiences with money, and each story is jargon-free and filled with personality. Every story presents its own moral, helping you understand why people react the way they do to money.

Books About Saving Money

Saving money is integral to wealth creation. Whether saving money for a rainy day or investing for your future, understanding the dynamics and the growth potential when money is invested wisely can transform your life. Discover the best books about saving money and some helpful tips for making your money work for you.

The Automatic Millionaire by David Bach

At the crux of The Automatic Millionaire is one core principle: automating your finances can lead to wealth. David Bach does an excellent job of providing a straightforward approach to improving your financial habits, which can help you invest, save, and enrich yourself in the process.

In less than a day, you can put David Bach’s plan into action, enabling you to set up the systems required to build wealth in the long run - a must-read for financial planners.

How I Invest My Money by Joshua Brown and Brian Portnoy

Brown and Portnoy bring together insider stories from 25 financial experts to explain how financial professionals invest their money. As a result, you will learn an abundance of wealth-creation strategies that you can put to the test in your own life.

How I Invest My Money also covers a lot of information integral to smart investing, including risk tolerance, asset allocation, and diversification. It’s the ideal book for anyone looking to level up their investment strategy.

The Millionaire Next Door by Thomas Stanley

Thomas Stanley examines the life of a group of millionaires and reveals the various habits that they all have in common. Primarily, he shows that the wealthiest people in America live below their means while rejecting traditional consumerism. They’re also great at investing.

In The Millionaire Next Door, learn how to emulate the positive habits of some of the wealthiest people in the world and harness Stanley’s highly-rated advice that will enable you to create, build and maintain wealth throughout your life.

Books to Teach Children and Young Adults About Saving Money

The earlier you can learn important lessons about money, the easier it is to make wise financial decisions that will impact your lifestyle in the long run. With that in mind, here are some of the best books to teach children and young adults about saving money, as well as an introduction to the core teachings within them.

The Money Manual by Tonya Rapley (Young Adults)

Before publishing The Money Manual, Tonya Rapley enjoyed huge success as a financial blogger. Her book is interactive and extremely easy to follow, providing readers with a step-by-step guide to managing their money.

Rapley excels at providing easy-to-digest examples while recommending tools and resources that are key to wealth creation. Ultimately, it’s perfect for uncovering the basics of budgeting, saving, and investing and will guide you through much of the jargon present in the world of finance.

One Cent, Two Cents, Old Cent, New Cent by Bonnie Worth (Ages 4-8)

What better way to learn about money than under the tutelage of the cat in the hat? The key lesson in Bonnie Worth’s brilliant book is that money doesn’t grow on trees, encouraging children to learn the value of money through a series of beautiful illustrations.

The book also teaches kids how to count and use money wisely before finishing up with some handy money-saving tips that apply to all walks of life. In true Dr Seuss fashion, One Cent, Two Cents, Old Cent, New Cent is educational and entertaining.

Money Box: What is Money? - Money Box by Ben Hubbard (Ages 5-8)

Through the eyes of Leo, What is Money? teaches the lesson that money supposedly makes the world go round, even though it’s not always available or visible. Leo makes some big decisions about how to spend the first money his given and explores the choices available to him.

What is Money? is an excellent book for teaching young children about the basics of money, how it works, and why it’s so important without getting too technical. It’s easy to read and filled with lovely illustrations to keep your kids interested throughout.

How to Make Money from Your Spare Time by Rita Storey (Ages 9-12)

In this brilliantly practical book, Rita Storey explains how young people can channel their inner entrepreneurial spirits into making money in their spare time. It covers topics like growing plants, taking photos, and offering car washing and babysitting services to make money.

Throughout the book, Storey introduces practical tips that young people can use to make money in their spare time, and the fundamental lesson of the book is that it’s never too early to start learning how to make money.

Cash, Savings, and All That Stuff: A Guide to Money and How to Manage It by Kira Vermond (Teens/Young Adults)

Kira Vermond does a great job of breaking down some of the barriers teens, and young adults face when managing their money for the first time. It introduces a number of money-making ideas and covers how to avoid scams and debt, which are super helpful for teens to learn before adulthood.

Given that Vermond covers a wide range of topics related to personal finance, budgeting, investing, and credit, this is the ideal book to gift your teen as they start yearning for more financial independence.

Get To Know: Money: A Fun, Visual Guide to How Money Works and How to Look After It by Kalpana Fitzpatrick

This is another great one for kids, whether they're trying to work out what to do with pocket money, or if they dream of making millions on the stock market. It's filled with tips on how to save and grow money, and also covers bigger topics, like what the bank does with your savings, how taxes are spent, and how billions are made and moved around the globe.


You’re now all set to order the best personal finance books for your financial education this year. At HyperJar, our prepaid cards are perfect for students and kids, helping them to learn about the value and importance of money through doing. HyperJar helps your kids get the spending independence they want in a way that is managed, safe, and controlled.

So, as well as reading the above titles, be sure to find out how you and your kids can benefit from opening an account with HyperJar to continue their financial education.

Colby Brin

Head of Copy

Colby Brin is Head of Copy at HyperJar. With over 17 years of professional writing experience, Colby’s been a journalist, ghostwriter, language consultant, and writing trainer. Having previously served as Head of Copy at Wise, he’s worked in fintech for over six years. A native of New York City, Colby graduated from the University of Michigan, and has lived in London for two years.

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