20 Personal Finance Books to Read Before You’re 60

The world of finance is complicated. By reading advice from experts and learning about others’ experiences, you can gain a deeper understanding of various financial topics — no matter your age. We’ve compiled a list of popular personal finance books across a range of topics, all of which are great resources for improving financial literacy.

Emily Miller, Managing Editor for Annuity.org
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    Emily Miller

    Emily Miller

    Managing Editor

    Managing editor Emily Miller is an award-winning journalist with more than 10 years of experience as a researcher, writer and editor. Throughout her professional career, Emily has covered education, government, health care, crime and breaking news for media organizations in Florida, Washington, D.C. and Texas. She joined the Annuity.org team in 2016.

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    Akeiva M. Ellis, MSFP, CPA/PFS, CFP®, ChSNC®

    Akeiva M. Ellis, MSFP, CPA/PFS, CFP®, ChSNC®

    Certified Financial Planner™ and Co-Founder of The Bemused

    Akeiva M. Ellis, a distinguished Certified Financial Planner™ professional, Chartered Special Needs Consultant® and Certified Public Accountant with the Personal Financial Specialist (PFS™) credential, is a CFP Board Ambassador and former financial planner for high-net-worth clients.

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    Michael Santiago
    Headshot of Michael Santiago, senior editor for Annuity.org

    Michael Santiago

    Senior Financial Editor

    Michael Santiago is a skilled writer and editor with over a decade of experience in various industries. As a senior financial editor, he collaborates with a team of experts to develop compelling and accurate content.

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  • Financially Reviewed By
    Ebony J. Howard, CPA
    Ebony Howard Headshot

    Ebony J. Howard, CPA

    Accounting, Personal Finance and Income Tax Consultant

    Ebony J. Howard is a certified public accountant and freelance consultant based in Atlanta, Georgia. Ebony has a deep knowledge of the financial landscape and a background in accounting, personal finance and income tax planning and preparation.

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  • Updated: February 6, 2024
  • 17 min read time
  • This page features 2 Cited Research Articles

Books About Investing

Investing is a complex topic. Thankfully, several experts have written books about stock market investing, real estate investing and everything in between — sharing their own experiences and mistakes in the investing world. These, and other highly rated books on investing, offer valuable insight into investing and avoiding the common mistakes investors make.

The knowledge you attain from reading personal finance books serves as a valuable resource even in this digital age. It is financial literacy that gives you an advantage to making well-informed decisions in budgeting, investing, managing money and building wealth. All of which presents opportunities to build a secure future through self-education.

1. The Bogleheads’ Guide to Investing (Second Edition)

If you’re a beginner investor and don’t know where to start, this book can guide you through the process. With multiple authors, the book offers a rich, thorough perspective on the fundamentals of investing and making your money work for you. The authors also break down complex financial concepts in a way that is easier to understand.

AUTHORS: Mel Lindauer, Taylor Larimore, Michael LeBoeuf, John C Bogle


WHY YOU SHOULD READ IT: Actionable tips from a variety of experts who have spent years understanding the ins and outs of investing.

2. Clever Girl Finance: Learn How Investing Works, Grow Your Money

Geared towards women, this accessible guide simplifies the complexities of finance without the need for a formal degree. From demystifying investment principles to navigating pitfalls and sharing real success stories, the book emphasizes the crucial distinction between earning money and building enduring wealth.

Bola Sokunbi is a Certified Financial Education Instructor (CFEI), bestselling author, and the visionary behind Clever Girl Finance. Awarded the 2021 Financial Education Instructor of the Year, Sokunbi’s expertise shines through. Her commitment to empowering women for financial independence has garnered recognition from major media outlets, including CNBC, Forbes, and ABC News.

Book cover for Clever Girl Finance: Learn How Investing Works, Grow Your Money by Bola Sokunbi

AUTHOR: Bola Sokunbi


WHY YOU SHOULD READ IT: Discover the fundamentals of investing through this accessible guide to the finance world, the go-to resource for women aiming to grasp the essential principles of personal investing

3. A Random Walk Down Wall Street

“A Random Walk Down Wall Street” explores history, economics, market theory and other concepts to provide investors of all ages with solid advice. Burton G. Malkiel discusses the mathematics of investing to highlight its importance and emphasizes common mistakes investors make and how to avoid them.

Malkiel is a long-time financial investor and the Chemical Bank Chairman’s Professor of Economics at Princeton University. He’s written more than 10 books on the topic of personal finance and investing, including several editions and updates of “A Random Walk Down Wall Street.”

AUTHOR: Burton G. Malkiel


WHY YOU SHOULD READ IT: A plethora of information about history, economics and market theory to help investors of all ages make wise investment decisions.

4. The Book on Rental Property Investing

Brandon Turner, host of the BiggerPockets podcast, takes a newer approach to investing by placing his funds in real estate — which, according to the millionaires of The Oracle, is still one of the best investments. In his book, Turner details his early days in real estate investing and how it has led to financial freedom, while offering his personal tips for success.

Turner walks readers through the steps of real estate investing, focusing on a specific concept in each chapter. If you’re looking to invest in real estate, this book should be on your reading list.

AUTHOR: Brandon Turner


WHY YOU SHOULD READ IT: Present day, step-by-step advice to be a successful real estate investor by someone who has achieved financial freedom with real estate.

Books About Building Wealth

When looking for books about building wealth, don’t be deceived. There’s no easy or “right” way to do it. These books offer advice on becoming wealthy and avoiding pitfalls, sharing how to make your money work for you and how to make it last.

5. Everyday Millionaires

Don’t be surprised if this book changes the way you view America’s wealthy. Author Chris Hogan talks with real people around the nation about their secrets to amassing a net worth of $1,000,000 or more. He shares their tips and discusses ways for people on almost any income to grow their wealth.

AUTHOR: Chris Hogan


WHY YOU SHOULD READ IT: Advice from everyday people who made millions by making smart financial moves on a modest salary – and how you can do the same.

6. The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life

JL Collins breaks things down in his book, “The Simple Path to Wealth.” He takes readers through the process of accumulating wealth, providing them with financial data to support the concepts in the book. With roughly 10,410 five-star reviews on Amazon and more than 21,399 ratings averaging 4.5 stars on Goodreads, it’s safe to say this book steals the show with its solid, easily digestible advice.

AUTHOR: JL Collins


WHY YOU SHOULD READ IT: Full of wisdom, financial data to support the given advice and an easy-to-follow process for accumulating wealth

7. Cashing Out: Win the Wealth Game by Walking Away

This book challenges the traditional financial script, offering a refreshing perspective on achieving financial freedom. Authors Julien and Kiersten Saunders, creators of Rich & Regular, share their journey of paying off $200,000 in debt in five years, struggling with microaggressions and racial biases in the workplace, breaking free from high-stress corporate jobs, and taking control of their finances. The book guides you through prioritizing goals, navigating financial conversations, and adopting practical strategies to build wealth on your terms, urging readers to break away from a system that may not serve them and design a life that balances present enjoyment with future security.

Book cover for Cashing Out: Win the Wealth Game by Walking Away by Julien and Kiersten Saunders

AUTHOR: Julien Saunders + Kiersten Saunders


WHY YOU SHOULD READ IT: Embark on a groundbreaking journey to liberate yourself from the confines of corporate America, cultivate financial well-being and carve out a path to wealth on your own terms

8. Rich Dad Poor Dad

Robert Kiyosaki reveals what he learned from his own father and his friend’s father (who he saw as a father figure) in his best seller “Rich Dad Poor Dad.” With countless lessons for those who seek to build wealth, this book not only shows readers the difference between the wealthy and the nonwealthy in regard to their perception of money, but it also provides actionable steps for making your money work for you.

AUTHOR: Robert Kiyosaki


WHY YOU SHOULD READ IT: See how the wealthy and nonwealthy differ in their views of money and what you can do to build your wealth like the affluent

Books About Retirement Planning

Most of us plan on retiring at some point, but many don’t think much of it until they start closing in on 65. However, early preparation for retirement can allow you to live the retirement lifestyle you want, rather than settling for only what you can afford.

9. How Much Money Do I Need to Retire?

With rave reviews, this book is a must-read for anyone on the road to retirement. Todd Tresidder reveals five of the most important questions to ask when planning for retirement, explains how to estimate returns on your investments and explores living expenses in retirement. This comprehensive book covers retirement planning and post-employment cash flow.

Tresidder provides readers with specific data points to illustrate the failure of traditional retirement plans, and encourages them to see beyond those plans in new and creative ways. With a degree in economics and a large and successful portfolio, Tresidder — who retired at age 35 through savvy investing — is truly an expert when it comes to paving the way to a great retirement.

AUTHOR: Todd Tresidder


WHY YOU SHOULD READ IT: Answers questions about retirement planning you didn’t think to ask, with factual data points to back up the advice – all from a man who retired at 35

10. How to Make Your Money Last

A great read for anyone — whether already retired or on their way. Author Jane Bryant Quinn writes in a straightforward fashion, avoiding the fluff and giving readers the information they’re looking for. Quinn discusses common retirement topics, from how to handle home equity to managing savings through annuities and other means.

Not only does this financial genius explain the basics of finances and budgeting during retirement, but she also offers advice on continuing to earn an income and stretching your money during those post-working years.

AUTHOR: Jane Bryant Quinn


WHY YOU SHOULD READ IT: From Social Security Benefits to investing during retirement, Quinn gives you options for your retirement plan and a different perspective for your finances

11. AgeProof: Living Longer Without Running Out of Money or Breaking a Hip

As leading experts in the realm of wealth and health, Jean Chatzky and Michael F. Roizen examine the connection between healthy aging and healthy finances. From catching up on retirement savings for late starters to making the most of your health and retirement benefits — readers will find valuable advice in this book.

Chatzky is the CEO of HerMoney.com and hosts her own podcast. She was the financial editor of NBC Today for 25 years and has appeared on CNN, MSNBC and The Oprah Winfrey Show. Dr. Roizen is a medical professional who has penned several best sellers.

AUTHORS: Jean Chatzky + Michael F. Roizen


WHY YOU SHOULD READ IT: Science-backed research about the connection between health and wealth, this best seller will help you see retirement planning in a different light

Books About Budgeting

Even if you think your budgeting methods are good enough, you can always learn more about getting the most out of your money. Whether you’re creating a retirement budget or a newlywed budget, these budgeting books can help you get started.

12. The Financial Diet

With loads of practical advice on managing your money, “The Financial Diet” won’t steer you wrong. In it, author Chelsea Fagan offers her personal financial experience and advice and that of other financial experts. In addition to learning about budgeting and investing, readers will glean insight on a range of financial topics, including mortgages and talking to your friends about money.

AUTHOR: Chelsea Fagan


WHY YOU SHOULD READ IT: Practical, easy-to-implement tips on topics ranging from budgeting and investing to mortgages and finance-related conversations with loved ones

13. How to Manage Your Money When You Don’t Have Any

This book was written specifically for those who struggle with managing money, no matter their income. It’s one of few books on this list that talks explicitly about the tough challenges many Americans face when it comes to their personal finances and the economy. Author Erik Wecks provides readers with simple and actionable principles that apply to everyday life.

AUTHOR: Erik Wecks


WHY YOU SHOULD READ IT: Advice about managing your everyday finances for anyone who struggles with managing money, no matter their income

14. The One Week Budget: Learn To Create Your Money Management System in 7 Days or Less!

Author of “The One Week Budget,” Tiffany Aliche channels her financial wisdom toward helping women achieve financial success. However, this book’s step-by-step instructions are invaluable for men and women alike.

Having been featured on Good Morning America, TODAY, and in The New York Times, Aliche understands the fine points of finance, and she’s eager to share her knowledge. A teacher at heart, Aliche is able to simplify money-management concepts and make them accessible to those who aren’t familiar with budgeting practices.

AUTHOR: Tiffany Aliche


WHY YOU SHOULD READ IT: Learn how to manage the money you have (no matter your income) to achieve financial freedom. Includes real examples and how-to guide to get you started

Books for Recent Graduates

Going out into the world and earning a steady income can be satisfying for recent graduates. However, you may be tempted to use your money in ways that won’t benefit you in the long-run. You may also find that you’re not sure how to manage this new income or pay off student loan debt. The titles below can help you learn how to do all of this and more.

15. Broke Millennial

Writing specifically for millennials, Erin Lowry touches on key points this age group struggles to understand. From managing student loans to talking with a partner about debt, Lowry speaks directly to those just getting started in the world of personal financial management. Her advice is simple enough to follow but profound enough to leave an impact on your life.

AUTHOR: Erin Lowry


WHY YOU SHOULD READ IT: Tips for getting better with money by focusing on key financial struggles millennials face, such as student loans and discussing debt with your partner

16. I Will Teach You To Be Rich (Second Edition)

Finance guru Ramit Sethi dives into financial topics that teach readers how to seamlessly manage their money without stress. From how to handle car buying to paying for a wedding and automating finances, Sethi introduces 20-somethings to a world free of financial guilt.

Having studied psychology at Stanford, Sethi understands the psychology of earning, saving and investing money. For those interested in learning how to manage money and build wealth, this New York Times best seller has got you covered.

AUTHOR: Ramit Sethi


WHY YOU SHOULD READ IT: A guide to seamlessly manage your money and help you build wealth. Perfect for 20-something-year-olds figuring out the game of money

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

With the struggles 20- to 30-year-olds face, it’s no wonder Beth Kobliner has released a fourth edition of this popular personal finance book. Sharing tips on figuring out taxes, avoiding common money mistakes and eliminating debt, Kobliner understands the prominent issues in today’s economy.

AUTHOR: Beth Kobliner


WHY YOU SHOULD READ IT: Full of advice for 20-to-30 year olds facing difficult challenges in today’s economy including handling taxes and eliminating debt

18. Your Money Life: Your 20s

Full of practical money advice for those in their 20s, this book is a must-read for those figuring out how to manage their finances. Whether you’re starting from the basics or already know a thing or two about money, this book will leave you with actionable tips to better control how your money goes in and out.

AUTHOR: Peter Dunn


WHY YOU SHOULD READ IT: Tips for money beginners and those who know a thing or two. Dunn covers what you need to understand about finance without making it complicated

19. Spend Well, Live Rich

Michelle Singletary’s “Spend Well, Live Rich” doesn’t disappoint. With seven different financial mantras and ways to manage money on any budget, this book was written mainly for people without extensive financial knowledge. Singletary provides specific tips on managing money for a life a life of financial freedom, no matter your financial situation.

AUTHOR: Michelle Singletary


WHY YOU SHOULD READ IT: Real-world experiences and practical advice for every class of people, Singletary teaches how to manage your money in order to live a life of financial freedom

20. Wallet Activism: How to Use Every Dollar You Spend, Earn, and Save as a Force for Change

In “Wallet Activism,” Tanja Hester challenges readers to reimagine their financial power and use every dollar spent, earned, and saved as a force for change. Emphasizing the influence of capitalism in our lives, the book guides readers to align their economic decisions with values, offering practical tools for ethical spending, earning, investing, and giving. Hester’s mindset-shifting approach empowers readers to make their money matter, providing a comprehensive guide for those seeking to leave a positive impact on society and the environment.

Book Cover for Wallet Activism by Tanja Hester

AUTHOR: Tanja Hester


WHY YOU SHOULD READ IT: An empowering guide that encourages readers to rethink their financial influence, align economic choices with values and create a positive impact on society and the environment through ethical spending, earning, investing and giving

Implementing What You Learn

A book is only as good as what you put into practice from it, so it’s important to seek out diverse perspectives, synthesize the various philosophies and concepts shared in the books you read, set goals based on what you learn and have a way to keep track of your progress. You can do this with a notebook, in the book itself if you own it, with friends who will keep you accountable or in any other way that will help you.

Because implementing what you learn and tracking your progress is so important, we’ve created a printable goal and tracking sheet below to help you get started.

Goals worksheet

By reading personal finance books, you can educate yourself on a wide range of topics, including investing, budgeting, mortgages and other loans, retirement, annuities, insurance and more. Don’t forget about resources that make learning fun and convenient, such as audiobooks, e-books, and your local library.

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Last Modified: February 6, 2024