Have you ever seen some people manage their money like they had calculators in their hands when they were born? For some of us, we are not that lucky. Keeping track of our finances is unbearably tedious and unpleasant. So what do we do? Learn. Educate ourselves. And that is where the best personal finance books come to play. 

Now, if math is not your strong suit, you are not alone. Just take a critical look at the statistics: Every year, the American Psychological Association carries out a survey. The research is to narrow down where people think they financially are. 

Recent research indicated that 70% of people believed they were on unstable financial ground. 75% agreed that they would be much happier if they had more money. There’s never been a perfect time to find the best personal finance books and learn something new, especially in these pandemic times. 

This article will show you the top ten best personal finance books that can help you overcome any financial struggles. 

Let’s dive right in. 

Ten Best Personal Finance Books 

From timeless advice to extensive budgeting breakdowns, here are the best personal finance books for 2021. 

#1 I Will Teach You To Be Rich – Ramit Sethi 

Ramit Sethi released the book a decade ago. But it was re-released and updated recently with new insights about FIRE, robo-investing, and many more. The book centers on systems and tools that can help you succeed in your financial goals in unique ways you would not expect. 

Ramit presents his ideas in ways that most financial experts do not focus on. The book centralizes on the big wins and helps you make a real difference in your financial life instead of crawling your way to financial freedom. 

The book is perfect for people who want to monitor their finances with manageable steps. You will acquire financial literacy and build a financial system that can help you reach your financial objectives. 

The book is best for: 

  • Making a plan 
  • Money strategizing 
  • Establishing systems to create wealth 

#2 Rich Dad Poor Dad – Robert T. Kiyosaki 

The book is more of a memoir with lessons you can learn from. Rich Dad Poor Dad was released about 20 years ago and had a 2017 updated version. It is one of the bestselling personal finance books in the world. 

In the book, Robert Kiyosaki walks you through some childhood memories. He contrasts his poor biological father with his friend’s dad, one of Hawaii’s wealthiest residents in the memories. Robert uses these two dads to teach you how you can manage your money and teach your kids to do it. 

According to Robert Kiyosaki, some debts are good, and you can become wealthy, even if you do not have a considerable income. By the way, Robert is a controversial figure, and some people even question how authentic the book is. 

However, you should focus on the financial principles that the book provides. There is excellent advice that can be impactful to your financial life. 

#3 The Total Money Makeover – Dave Ramsey 

Millions of people listen to Dave Ramsey when he talks about money and finances, and with a good cause. He has a successful radio program, The Dave Ramsey Show, and has released five New York Times bestsellers, including “The Total Money Makeover.” 

Dave’s book is not a get-rich-quick scheme. His books never are. Instead, it gives you a strong foundation for saving enough money so that you can face any emergency. The books also show you how you can retire comfortably. 

For many years now, Dave has received numerous criticisms for his ways beyond handling debt. And that also includes insurance and investing. However, if you want to get out of debt, no better person does an excellent job giving you the resources and mindset. And that is what the Total Money Makeover does. 

#4 The Millionaire Next Door – Thomas J. Stanley

This book is one of the oldest on this list, but the book’s lessons are ever-refreshing and timeless. In the book, the authors (who are both doctors) interviewed numerous real millionaires to find out how they became millionaires. 

There are highly relevant lessons in the book that are both groundbreaking and simple, especially when you read it for the first time. If you think about it, all the world’s best-hidden secrets are simple. 

#5 The Automatic Millionaire – David Bach 

David Bach is a financial writer, and he wrote this book on one uncomplicated principle: automating your finances. The book talks about how to set up your finances to manage itself. With that, it can help you expand your wealth over many years. 

The book gives you a plan to follow and create a lasting impact. 

#6 The Simple Path to Wealth – JL Collins 

The principles explained in the book were first written as letters by JL Collins to his daughter. The book contains an enormous amount of actionable and accessible advice on investing throughout. 

Some chapters entail casual and light tones and delve deeper into more complex topics. The book has more than 800 reviews on Amazon with 4.8 stars average rating. 

#7 Retire Before Mom & Dad – Rob Berger 

“Retire Before Mom & Dad” is one of the best personal finance books on the financial market. The book is ideal for people who want an early retirement and those that want to build wealth. If you’re going to retire early through Financially Independent, Retire Early (FIRE), this book is the right choice for you. 

The book also has keen principles that help you attain financial independence, even if you do not plan to retire early.

#8 When She Makes More – Farnoosh Torabi 

Farnoosh Torabi, the author and personal finance expert, digs deep into the reality she goes through every day. That is being a woman and a breadwinner in a different-sex relationship. She takes a broader look at the rules and realities she made and explains how to increase your earnings. 

#9 Think And Grow Rich – Napoleon Hill

“Think and Grow Rich” was written in 1937, before the arrival of 401(k)s and right after the Great Depression. The book is inspirational yet a practical book that provides timeless advice. 

It centers on the mindset needed to build wealth with chapters on persistence and desire, instead of money management and strategy. The book also includes various stories of the wealthiest men of the late 19th century and 20th century. And it brings out the lessons that have maintained their footing even in 2021. 

#10 Spend Well, Live Rich – Michelle Singletary

In this book, Michelle Singletary reflects on her grandmother’s life, who brought up five children, including her. And she did so on an average salary. The author dives into the principles that her grandmother used to take care of the family. It is an excellent inspirational book that can help you attain financial freedom. It is one of the best personal finance books you need to read. 


Various schools in the United States now teach personal finance. However, that is not enough. The best way to get your financial freedom is to educate yourself, and that is why we have covered the best personal finance books. 

If you have read any of those books and it’s collecting dust on the shelf, consider listing them for sale on our website!

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