4 Financial Books You Should Read in Your 20s

Have you graduated from college and have student loan debt? Are you trying to become financially secure so you can afford to travel the world? No matter what your goals are, you may benefit from these 4 financial books you should read in your 20s. If you can get out of debt in your 20s and start saving and investing, you’ll be looking at a bright, enjoyable financial future.

4 Financial Books You Should Read in Your 20s

The market is rife with great financial books, but the following books are imperative to read when you’re young. (However, if you’re starting late getting your finances in order, these books are good to read at any age.)

I Will Teach You to Be Rich

Ramit Sethi’s book is full of humor—he loves to poke fun at his Indian upbringing. More importantly, he takes a different, smarter approach to finances than many financial experts.

For readers struggling with debt, he gives a script to use to get lower APRs. I read this book when I was younger and struggling with credit card debt. Using Sethi’s techniques, I successfully lowered my APR and paid off the cards faster. He also gives you a no-hassle technique to buying a vehicle, and he won’t make you feel guilty for buying a coffee every day if that’s what you want to do.

Your Money or Your Life

Your Money or Your Life forces readers to think of all the ways they frivolously spend money. That unconscious spending is not without consequences. It represents hours of your life you must give every year to make the money. This book will likely change the way you think about spending and working.

Die with Zero

I didn’t read Die with Zero until middle age, but it would be invaluable to people in their 20s. Bill Perkins offers an extension of Your Money or Your Life. Yes, work hard to make your money and become financially secure, but don’t forget to spend money and enjoy your life because you never know when it will end. (Read my full review here.)

Retire Before Mom and Dad

Retire Before Mom and Dad is the next book to read after you have mastered your debt and budget. This book is oriented towards those on a FIRE path (financial independence/retire early). Berger, a personal finance expert from Forbes, focuses heavily on saving and investing to help you achieve your financial goals faster and enjoy life from a financially comfortable position.

Final Thoughts

The market is filled with personal finance books. However, these 4 financial books you should read in your 20s will help you lay the groundwork for a financially successful future. If you’re in your 30s or older and still need financial advice, you can’t go wrong with these books, either.

What is your favorite financial book that you’d recommend people in their 20s read?

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Melissa Batai

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her reading a good book, cooking, or traveling. She resides in New York where she loves the natural beauty of the area.