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9 Best Finance Books for Millennials & Gen-Z

A girl is reading finance book

Introduction


As a Millennial or Gen-Zer we know first hand that financial literacy was not taught in our school curriculum. Unfortunately we don’t know how taxes work, but we do know that y = mx +b (like the back of our hand). 


*Tragic*


So where do we begin? How do we gain the knowledge that we desperately need to actually SURVIVE?!?! 

You may be asking, “are finance books even worth it?”, “will I actually gain anything from this?” and the answer is - yes. If you apply this new-found knowledge. 


 As we know, knowledge is wealth; it’s the difference between taking years and  learning things the hard way versus skipping the pain and getting straight to the principles. 


Say it with me now: “When you know better, you do better.” - Maya Angelou 

With so many resources on the internet you may be wondering which ones will ACTUALLY give you the foundation to financial freedom in the form of practical steps and life lessons. Well, here they are: 




1. Clever Girl Finance




“Take charge of your finances and achieve financial independence - the Clever Girl way.


Join the ranks of thousands of smart and savvy women who have turned to money expert and author Bola Sokunbi for guidance on ditching debt, saving money, and building real wealth. Sokunbi, the force behind the hugely popular Clever Girl Finance website, draws on her personal money mistakes and financial redemption to educate and empower a new generation of women on their journey to financial freedom. Lighthearted and accessible, Clever Girl Finance encourages women to talk about money and financial wellness and shows them how to navigate their own murky financial waters and come out afloat on the other side."


Put yourself on the path to financial success with the valuable lessons learned from Clever Girl Finance.”



 


2. Adulting - How to Become A Grown Up in 468ish Steps by Kelly Williams Brown  



Adulting: How to Become a Grown-up in 535 Easy(ish) Steps: Brown, Kelly  Williams: 9781538729137: Amazon.com: Books


“If you graduated from college but still feel like a student . . . if you wear a business suit to job interviews but pajamas to the grocery store . . . if you have your own apartment but no idea how to cook or clean . . . it's OK. But it doesn't have to be this way.


This guide will help you to navigate the stormy Sea of Adulthood so that you may find safe harbor in Not Running Out of Toilet Paper Bay, and along the way you will learn:


  • What to check for when renting a new apartment—not just the nearby bars, but the faucets and stove, among other things.

  • When a busy person can find time to learn more about the world (It involves the intersection of NPR and hair-straightening.)

  • How to avoid hooking up with anyone in your office—imagine your coworkers having plastic, featureless doll crotches. It helps.”



3. Apartment Hunting 101 eBook by Micha’ela Monique (Yours Truly)  







“If you graduated from college but still feel like a student . . . if you wear a business suit to job interviews but pajamas to the grocery store . . . if you have your own apartment but no idea how to cook or clean . . . it's OK. But it doesn't have to be this way.


This guide will help you to navigate the stormy Sea of Adulthood so that you may find safe harbor in Not Running Out of Toilet Paper Bay, and along the way you will learn:


  • What to check for when renting a new apartment—not just the nearby bars, but the faucets and stove, among other things.

  • When a busy person can find time to learn more about the world (It involves the intersection of NPR and hair-straightening.)

  • How to avoid hooking up with anyone in your office—imagine your coworkers having plastic, featureless doll crotches. It helps.”


4. You’re Not Broke, You’re Pre-Rich by Mapolo Makhu  


Amazon.com: You're Not Broke, You're Pre-Rich: Ditch debt, stop living from  payday to payday, and manage black tax to #liveyourbestlife eBook : Makhu,  Mapalo: Kindle Store




“If you are a millennial who is trying to figure out how money works, this book is for you. With simple, relatable and sometimes amusing stories about how to manage money on a day-to-day basis, you will learn how to change your mindset about money, get out of debt and stay debt-free, invest your money and, ultimately, live your best life. You’re Not Broke, You’re Pre-Rich will help you, the young professional, to think differently about money, while covering pertinent topics like black tax, savings, budgeting, emergency funds and financial scams, as well as estate and retirement planning (and why you should care right now!). 


It is the best class you never attended … in a book!” 


5. How to Adult: Personal Finance for the Real World by Jake Cousineau 


How to Adult: Personal Finance for the Real World: Cousineau, Jake:  9798581084830: Amazon.com: Books




“An essential resource for a high school graduate, college student, or any other young adult who needs to prepare for the financial realities of adulthood.


Drawing on years of teaching personal finance in the high school classroom, as well as valuable life experience as a young professional, Cousineau introduces topics ranging from compound interest and mutual funds to Roth IRAs and insurance deductibles. 


Each chapter contains straightforward explanations, practical examples, revealing anecdotes, and hands-on tools that will help you to jump-start your personal financial journey.

In this book, you’ll learn:


  • The foundational concepts of personal finance and building wealth

  • How to avoid costly financial missteps

  • How to budget, save, and invest your money wisely

  • How taxes and insurance work

  • How to prepare for life’s big expenses”



6. Broke Millennial: Stop Scraping By Get Your Financial Life Together by Erin Lowry




Amazon.com: Broke Millennial: Stop Scraping By and Get Your Financial Life  Together (Broke Millennial Series) eBook : Lowry, Erin: Kindle Store



“Stop living paycheck to paycheck and get your financial life together (#GYFLT)!


Broke Millennial shows step by step how to go from flat broke to financial badass. Unlike most personal finance books out there, it doesn't just cover boring stuff like credit card debt, investing, and dealing with the dreaded B word (budgeting). 


Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including:


  • Understanding your relationship with moolah: Do you treat it like a Tinder date or marriage material?

  • Managing student loans without having a full-on panic attack

  • What to do when you're out with your crew and can't afford to split the bill evenly

  • How to get "financially naked" with your partner and find out his or her "number" (debt number, of course)

  • And much more”




7. How to Money: Your Ultimate Visual Guide to the Basics of Finance by Jean Chatzky  


Amazon.com: How to Money: Your Ultimate Visual Guide to the Basics of  Finance: 9781250791696: Chatzky, Jean, Tuggle, Kathryn, Cosford, Nina: Books



“"Where was this book when we were teenagers?" - Real Simple

 


You need to know how to manage money to know how to manage life ― but most of us don’t! This illustrated guidebook from New York Times bestselling author and financial expert Jean Chatzky, Kathryn Tuggle, and their team at HerMoney breaks down the basics of money―how to earn it, manage it, and use it―giving you all the tools you need to take charge and be fearless with personal finance.


How to Money will teach you the ins and outs of:


-creating a budget (and sticking to it)

-scoring that first job (and what that paycheck means)

-navigating student loans (and avoiding student debt)

-getting that first credit card (and what “credit” is)

-investing like a pro (and why it’s important!)


All so you can earn more, save smart, invest wisely, borrow only when you have to, and enjoy everything you've got!”





8. Personal Finance for Teens & College Students by Kara Ross



Personal Finance For Teens And College Students - By Kara Ross (paperback)  : Target




If you want to learn how you can better manage money as a young adult, then keep reading!

 

Schools worldwide lack a formal financial literacy course, instead focusing on teaching students' arbitrary skills that may or may not be relevant to their daily lives.

As a result, we have financially illiterate young adults who can solve quadratic equations and remember the structure of a plant but have no idea about the loans they take out or how taxes work.

 

This book aims to fill a gap in the education system by introducing teenagers and college students to relevant financial concepts to broaden their functional understanding and help them make informed decisions at every stage of their lives.”






 9. Get Good With Money by Tiffany Aliche  


Get Good with Money: Ten Simple Steps to Becoming Financially Whole: Tiffany  the Budgetnista Aliche: 9780593232743: Amazon.com: Books



Revealing this practical 10-step process for the first time in its entirety, Get Good with Money introduces the powerful concept of building wealth through financial wholeness: a realistic, achievable, and energizing alternative to get-rich-quick and over-complicated money management systems. 


With helpful checklists, worksheets, a tool kit of resources, and advanced advice from experts who Tiffany herself relies on (her “Budgetnista Boosters”), Get Good with Money gets crystal clear on the short-term actions that lead to long-term goals, including:


  • A simple technique to determine your baseline or “noodle budget”, examine and systemize your expenses, and lay out a plan that allows you to say yes to your dreams

  • An assessment tool that helps you understand whether you have a “don't make enough” problem or a “spend too much” issue - as well as ways to fix both

  • Best practices for saving for a rainy day (aka job loss), a big-ticket item (a house, a trip, a car), and money that can be invested for your future

  • Detailed advice and action steps for taking charge of your credit score, maximizing bill-paying automation, savings and investing, and calculating your life, disability, and property insurance needs

  • Ways to protect your beneficiaries' future, and ensure that your financial wishes will stand the test of time



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