If you’re looking for the best personal finance books available to improve your knowledge of financial basics or learn about investing strategies, you’ve come to the right place. We’ve examined each of the 10 top-selling finance books sold on Amazon to give you the rundown on what they offer.
Whether you’re in debt and need to turn your life around or you’re looking to increase your productivity, these guides from personal finance experts can help.
How to find the best personal finance books
Below you’ll find Amazon’s top 10 personal finance bestsellers as of April 20, 2020. For each title, we’ll discuss what the book covers, the customer ratings, and whom we think would best benefit from the book.
As you look over this collection to find the best personal finance books for your situation, consider what sort of advice you need most and pick those titles that best target your key topics.
(Note that to calculate its customer star ratings, Amazon uses a machine-learning model instead of a raw data average. Its model takes into account factors like the age of a rating, whether or not the rating came from a verified purchaser and other factors that indicate the reviewer’s credibility.)
1. Getting Work Done
2. The 7 Habits of Highly Effective People: Powerful Lessons in Personal Change
3. Giving Effective Feedback
4. Rich Dad Poor Dad: What the Rich Teach Their Kids About Money — That the Poor and Middle Class Do Not!
5. The Intelligent Investor: The Definitive Book on Value Investing. A Book of Practical Counsel.
6. Indistractable: How to Control Your Attention and Choose Your Life
7. 10X Rule: The Only Difference Between Success and Failure
8. Total Money Makeover: A Proven Plan for Financial Fitness
9. Outliers: The Story of Success
10. Secrets of Six-Figure Women: Surprising Strategies to Up Your Earnings and Change Your Life
Bonus: 3 other must-read personal finance books
- Author(s): Harvard Business Review
- Best for: If you are overwhelmed by work and multitasking, this book will help you focus your priorities, eliminate distractions and create boundaries.
- Amazon customer rating: 4.1 out of 5 stars (25 ratings) as of April 20, 2020.
Harvard Business Review publishes business books containing comprehensive advice and guides for managers and senior-level executives.
For individual contributors and managers who feel like they’re juggling too many projects, Getting Work Done will help you organize your schedule, set priorities and create an effective daily work routine to optimize your productivity.
Most customers praised the book for its useful and applicable tips, while the few negative responses said the required work it demanded to get started affected their reviews.
- Author(s): Stephen R. Covey
- Best for: This classic career development book is best for workers who want to improve their productivity, overall efficiency and career success.
- Amazon customer rating: 4.6 out of 5 stars (9,752 ratings) as of April 20, 2020.
An accomplished businessman and public speaker, Covey’s book was originally published in 1990. Since its release, it’s been used as a career development resource ever since. It walks readers through seven core habits:
- Be Proactive
- Begin With the End in Mind
- Put First Things First
- Think Win-Win
- Seek First to Understand Then Be Understood
- Sharpen the Saw
These habits are reportedly used by the most successful CEOs and business professionals in various industries. The reviews are positive; many reviewers describe the book as life-changing in how it affected how they approached their careers.
- Author(s): Harvard Business Review
- Best for: This book is designed for managers who need help dealing with struggling employees and high-performing workers to boost results.
- Amazon customer rating: 4.3 out of 5 stars (27 ratings) as of April 20, 2020
This book is part of the Harvard Business Review’s series of books to help managers work more effectively with their employees. It gives managers a plan for how to deliver feedback to both underperforming and star employees, have effective conversations and get results that last, including creating an action plan.
The reviews are mostly positive, with managers stating that the book helped them with performance evaluations. However, some reviewers said the book seemed to be primarily geared toward young or very new managers.
4. Rich Dad Poor Dad: What the Rich Teach Their Kids About Money — That the Poor and Middle Class Do Not!
- Author(s): Robert T. Kiyosaki
- Best for: Parents, college students and people new to personal finance will be especially interested in the topics of this book.
- Amazon customer rating: 4.7 out of 5 stars (16,671 ratings) as of April 20, 2020
Robert T. Kiyosaki is an entrepreneur and investor. In Rich Dad Poor Dad, he chronicled his experiences growing up with his own father and comparing him to another friend’s wealthy parent.
Rich Dad Poor Dad became a massive bestseller when it was released. The book’s premise is that wealthy individuals use their money to invest, become entrepreneurs and have their money work for them. By contrast, the book also says that low-income and middle class workers may work hard in their full-time jobs, but never make any real financial progress because they don’t learn how to fully utilize their money. The book aims to teach people of all backgrounds the fundamentals of financial literacy and investing.
- Author(s): Benjamin Graham, Jason Zweig
- Best for: For investors looking to learn sound investing principles, the Intelligent Investor offers time-tested guidance.
- Amazon customer rating: 4.6 out of 5 stars (6,355 ratings) as of April 20, 2020
Benjamin Graham was a pioneering investor and educator. In fact, billionaire Warren Buffet was one of his students at Columbia’s business school.
Originally published in 1949, Graham originally wrote this book to teach readers about value-investing and how to focus on long-term investing goals. This edition has been updated and revised by Jason Zweig, incorporating updates using today’s market as examples of how Graham’s principles have worked on the stock market’s performance.
Many reviews tout the value of the book, but some say it’s outdated. One common complaint is that it is difficult to follow for beginners, and is instead for more seasoned investors.
- Author(s): Nir Eyal
- Best for: For people struggling to retain their focus, this book contains strategies to control your time and eliminate distractions both at work and at home.
- Amazon customer rating: 4.7 out of 5 stars (539 ratings) as of April 20, 2020
Author Nir Eyal previously taught at the Stanford Graduate School of Business and Design, and acts as an angel investor for growing startups. Using his background, he wrote Indistractable to help people better manage their time.
With technology and smartphones becoming so pervasive, it’s easier than ever to get distracted and it’s difficult to stay focused at work. This book contains practical tips on how to change your relationship with technology so you can stay focused both at home at work. It will help you eliminate distractions, control your time and boost productivity.
- Author(s): Grant Cardone
- Best for: This book is best for people who need an extra dose of motivation to overcome procrastination and other obstacles to achieving your goals.
- Amazon customer rating: 4.6 out of 5 stars (2,361 ratings) as of April 20, 2020
Grant Cardone, a marketing and sales consultant, and a public speaker, wrote The 10X Rule to encourage people to separate themselves from the pack through extreme action. By overcoming procrastination and self-doubt, the book encourages people to achieve their goals. Reviewers mostly found it empowering and motivating and said it helped them take their businesses or careers to the next level.
- Author(s): Dave Ramsey
- Best for: If you have debt, Dave Ramsey’s guide can help you eliminate your balances, build up an emergency fund and build financial security.
- Amazon customer rating: 4.7 out of 5 stars (6,893 ratings) as of April 20, 2020
Dave Ramsey is a well-known money expert, radio personality and author. Dave Ramsey’s book is used by people burdened with credit card debt, student loans and other consumer debt to turn their financial lives around. It contains Ramsey’s baby steps, a step-by-step process on how to tackle your finances with basic financial principles. By following his habits, you’ll pay off your debt, establish a safety net and stick to a budget.
In fact, many reviewers describe the book as containing life-changing finance tips, eliminating their financial stress and worries.
- Author(s): Malcolm Gladwell
- Best for: If you want to know what sets high achievers apart from the average person, this book is for you.
- Amazon customer rating: 4.6 out of 5 stars (7,368 ratings) as of April 20, 2020
Malcolm Gladwell is the author of five New York Times bestsellers. Outliers examines what makes the best and brightest individuals different from everyone else. Instead of focusing on the habits of successful people, this book focuses on their culture, family and the experiences they had during their upbringing that shaped them into the people they are today.
- Author(s): Barbara Stanny
- Best for: This book is best for people who want to learn what common characteristics drive women high-earners.
- Amazon customer rating: 4.7 out of 5 stars (349 ratings) as of April 20, 2020
Barbara Huson (formerly Stanny) is a financial expert, author and money coach. According to her book, the number of women who earn six-figure salaries has steadily increased over the past few years. More than 15 million women were earning $100,000 or more in a wide range of industries in 2009, the year the book was published. This book researches this growing trend and identifies common characteristics these women share so that other women can learn from their success.
While these books aren’t on Amazon’s top-10 list, they are excellent personal finance books for people looking to improve their relationships with money.
1. Get Money: Live the Life You Want, Not Just the Life You Can Afford
- Author(s): Kristin Wong
- Best for: For college students managing student loan debt or young professionals just starting out, this is an excellent primer for people beginning to manage their money on their own.
- Amazon customer rating: 4.4 out of 5 stars (66 ratings) as of April 20, 2020
Kirsten Wong is a long-time personal finance blogger turned book author. Wong’s book aims to make personal finance more relatable and less intimidating. It breaks down money management into basic steps to complete so you can achieve your goals, such as creating a budget, coming up with a debt repayment plan, improving your credit score and starting an investment portfolio.
2. Broke Millennial: Stop Scraping By and Get Your Financial Life Together
- Author(s): Erin Lowry
- Best for: For young adults who are living paycheck to paycheck, this book can help them break the cycle.
- Amazon customer rating: 4.7 out of 5 stars (253 ratings) as of April 20, 2020
Erin is a millennial personal finance expert. Her book addresses everyday financial situations that millennials may struggle with, not just big financial topics like budgeting or investing. It can help you handle tricky situations like how to split bills with friends after dinner, how to divide up your finances with a romantic partner and what your options are with your student loan payments.
3. Why Didn’t They Teach Me This in School? 99 Personal Money Management Principles to Live By
- Author(s): Cary Siegel
- Best for: This book is for college and high school graduates who need help managing their finances on their own.
- Amazon customer rating: 4.3 out of 5 stars (509 ratings) as of April 20, 2020
Many high school and college graduates feel overwhelmed when they leave school because they’re unprepared to manage their money on their own. Retired business executive Cary Siegel wrote this book to cover basic financial topics that are rarely taught in schools. It’s a quick and easy read, with easily digestible content with practical anecdotes to help graduates use their money wisely.
Carrie Smith contributed to this report.
Interested in refinancing student loans?Here are the top 9 lenders of 2021!
|Lender||Variable APR||Eligible Degrees|
|1.88% – 6.15%1||Undergrad & Graduate|
|1.88% – 5.64%2||Undergrad & Graduate|
|2.50% – 6.85%3||Undergrad & Graduate|
|1.89% – 5.90%4||Undergrad & Graduate|
|1.99% – 6.59%5||Undergrad & Graduate|
|1.88% – 5.64%6||Undergrad & Graduate|
|1.90% – 5.25%7||Undergrad & Graduate|
|2.39% – 6.01%||Undergrad |
|2.13% – 5.25%8||Undergrad & Graduate|
|Check out the testimonials and our in-depth reviews!
1 Important Disclosures for Splash Financial.
Splash Financial Disclosures
Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet applicable underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors. Refinancing or consolidating private and federal student loans may not be the right decision for everyone. Federal loans carry special benefits not available for loans made through Splash Financial, for example, public service loan forgiveness and economic hardship programs, fee waivers and rebates on the principal, which may not be accessible to you after you refinance. The rates displayed may include a 0.25% autopay discount
The information you provide to us is an inquiry to determine whether we or our lenders can make a loan offer that meets your needs. If we or any of our lending partners has an available loan offer for you, you will be invited to submit a loan application to the lender for its review. We do not guarantee that you will receive any loan offers or that your loan application will be approved. Offers are subject to credit approval and are available only to U.S. citizens or permanent residents who meet applicable underwriting requirements. Not all borrowers will receive the lowest rates, which are available to the most qualified borrowers. Participating lenders, rates and terms are subject to change at any time without notice.
To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Splash Financial and our lending partners reserve the right to modify or discontinue products and benefits at any time without notice. To qualify, a borrower must be a U.S. citizen and meet our lending partner’s underwriting requirements. Lowest rates are reserved for the highest qualified borrowers. This information is current as of June 1, 2021.
2 Rate range above includes optional 0.25% Auto Pay discount. Important Disclosures for Earnest.
Interest Rate Disclosure
Actual rate and available repayment terms will vary based on your income. Fixed rates range from 2.48% APR to 5.79% APR (excludes 0.25% Auto Pay discount). Variable rates range from 1.88% APR to 5.64% APR (excludes 0.25% Auto Pay discount). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 36% (the maximum allowable for these loans). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.04% and 5.8% to the one month LIBOR. Earnest rate ranges are current as of 6/8/2021, and are subject to change based on market conditions.
Auto Pay Discount Disclosure
You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in Auto Pay.
Student Loan Refinancing Loan Cost Examples
These examples provide estimates based on payments beginning immediately upon loan disbursement. Variable APR: A $10,000 loan with a 20-year term (240 monthly payments of $72) and a 5.89% APR would result in a total estimated payment amount of $17,042.39. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 20-year term (240 monthly payments of $72) and a 6.04% APR would result in a total estimated payment amount of $17,249.77. Your actual repayment terms may vary.Terms and Conditions apply. Visit https://www.earnest. com/terms-of-service, e-mail us at [email protected], or call 888-601-2801 for more information on our student loan refinance product.
Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC. Earnest Operations LLC, NMLS #1204917. 535 Mission St., Suite 1663, San Francisco, CA 94105. California Financing Law License 6054788. Visit earnest.com/licenses for a full list of licensed states. For California residents (Student Loan Refinance Only): Loans will be arranged or made pursuant to a California Financing Law License.
One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Earnest loans are serviced by Earnest Operations LLC with support from Navient Solutions LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries are not sponsored by or agencies of the United States of America.
© 2021 Earnest LLC. All rights reserved.
3 Important Disclosures for CommonBond.
Offered terms are subject to change and state law restriction. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900), NMLS Consumer Access. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 0.15% effective Jan 1, 2021 and may increase after consummation.
4 Important Disclosures for Laurel Road.
Laurel Road Disclosures
All credit products are subject to credit approval.
Laurel Road began originating student loans in 2013 and has since helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $4 billion in federal and private school loans. Laurel Road also offers a suite of online graduate school loan products and personal loans that help simplify lending through customized technology and personalized service. In April 2019, Laurel Road was acquired by KeyBank, one of the nation’s largest bank-based financial services companies. Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. All loans are provided by KeyBank National Association, a nationally chartered bank. Member FDIC. For more information, visit www.laurelroad.com.
As used throughout these Terms & Conditions, the term “Lender” refers to KeyBank National Association and its affiliates, agents, guaranty insurers, investors, assigns, and successors in interest.
Assumptions: Repayment examples above assume a loan amount of $10,000 with repayment beginning immediately following disbursement. Repayment examples do not include the 0.25% AutoPay Discount.
Annual Percentage Rate (“APR”): This term represents the actual cost of financing to the borrower over the life of the loan expressed as a yearly rate.
Interest Rate: A simple annual rate that is applied to an unpaid balance.
Variable Rates: The current index for variable rate loans is derived from the one-month London Interbank Offered Rate (“LIBOR”) and changes in the LIBOR index may cause your monthly payment to increase. Borrowers who take out a term of 5, 7, or 10 years will have a maximum interest rate of 9%, those who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%.
KEYBANK NATIONAL ASSOCIATION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of April 29, 2021. Information and rates are subject to change without notice.
5 Important Disclosures for SoFi.
Fixed rates from 2.49% APR to 6.94% APR (with autopay). Variable rates from 1.99% APR to 6.59% APR (with autopay). All variable rates are based on the 1-month LIBOR and may increase after consummation if LIBOR increases; see more at SoFi.com/legal/#1. If approved for a loan your rate will depend on a variety of factors such as your credit profile, your application and your selected loan terms. Your rate will be within the ranges of rates listed above. Lowest rates reserved for the most creditworthy borrowers. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. SoFi loans are originated by SoFi Lending Corp. or an affiliate (dba SoFi), a lender licensed by the Department of Financial Protection and Innovation under the California Financing Law, license #6054612; NMLS #1121636 (www.nmlsconsumeraccess.org). Additional terms and conditions apply; see SoFi.com/eligibility for details. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
6 Important Disclosures for Navient.
7 Important Disclosures for LendKey.
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised variable APR is only available for loan terms of 5 years and is reserved for applicants with FICO scores of at least 810.
As of 04/07/2021 student loan refinancing rates range from 1.90% APR – 5.25% Variable APR with AutoPay and 2.49% APR – 7.75% Fixed APR with AutoPay.
8 Important Disclosures for PenFed.
Annual Percentage Rate (APR) is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments. Fixed Rates range from 2.89%-4.78% APR and Variable Rates range from 2.13%-5.25% APR. Both Fixed and Variable Rates will vary based on application terms, level of degree and presence of a co-signer. These rates are subject to additional terms and conditions and rates are subject to change at any time without notice. For Variable Rate student loans, the rate will never exceed 9.00% for 5 year and 8 year loans and 10.00% for 12 and 15 years loans (the maximum allowable for this loan). Minimum variable rate will be 2.00%. These rates are subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change.