Top 8 Best Personal Finance Books: Personal finance isn’t something that most people start to think about until later in life, but if you’re already interested in the subject, it can be difficult to find the books that are most likely to help you make the best financial decisions.
Top 8 Best Personal Finance Books For 2022
This list of 12 top personal finance books gives you the opportunity to learn more about everything from earning more money and building an emergency fund to investing and retirement planning. The best part? Each of these books came out this year, so they’re all still relevant and useful today!
1) How Rich People Think
Rich people think differently than middle-class people. It’s hard to break old habits and replace them with new ones, but you’ll need to start thinking like rich people if you want to achieve any real financial success. Rich people are different in many ways, but they all have one thing in common: they prioritize financial success and understand that it’s necessary to take risks to become wealthy.
That doesn’t mean taking big risks with your money—rich people know how to be conservative with their investments while still earning a high return on their money. To achieve long-term wealth, master these habits of rich people before 2022! In addition to books about business and finance, create a professional listicle based on another topic related to personal finance.
Your listicle should include at least 10 items from which you will make at least 1 recommendation from each item on your listicle (for example: if there are 20 items total on your listicle, then you must make at least 2 recommendations). The last item should include a link back to one of your other pieces of content or an external website relevant to that topic.
2) Investing in Real Estate
Real estate is one of those asset classes that a lot of people are interested in, but very few invest in. If you’re looking to invest in real estate, don’t make these common mistakes. Real estate investing is something that lots of people are interested in, but relatively few do it because they’re afraid to fail or don’t know where to start. It’s true that there are plenty of obstacles and pitfalls to overcome when investing in real estate — and if you’re new to it, they can seem insurmountable — but if you keep your goals realistic and your expectations reasonable, you can get started with real estate investing today.
Here are some tips to help you avoid some of the most common mistakes made by first-time investors. 1. Don’t buy more property than you can afford This might sound obvious, but it’s actually a mistake that even experienced investors sometimes fall into. To determine how much money you should be able to comfortably put toward buying a piece of property.
Calculate how much money per month will go toward servicing your mortgage (principal + interest) and multiply that number by two. You should have enough left over each month to cover all other expenses (like utilities) without having to tap into savings or retirement accounts; otherwise, buying an investment property isn’t worth it.
3) How to Stop Doubting Your Greatness
Want to know what it takes to succeed? Look no further than bad-ass Jen Sincero, whose new book, You Are a Badass at Making Money: Master The Mindset of Wealth, is on a mission to help people get their financial acts together. According to her research, most people say they want more money but don’t act on it. But if you follow her advice, your mindset will shift and change. She calls herself someone who teaches people how to start living an awesome life in all areas – business and finance included.
Her goal is to help you achieve whatever money goals you have by tapping into who you really are and what really matters to you! In one interview she said that You can be rich and miserable or poor and happy. And there’s nothing wrong with being rich and happy either.
If you need the inspiration to get started, read her inspiring quote below: When I was little I used to think that when I grew up I would be powerful and famous. Then I realized that power and fame were temporary – today’s hotshot is tomorrow’s has been – so instead I decided to go for broke in terms of happiness. ~ Marilu Henner (Actress)
4) The Millionaire Next Door
If you’re looking to take your personal finances seriously, it’s worth paying attention to those who have already done so. The Millionaire Next Door profiles 700 households who are millionaires—but aren’t necessarily flashing their wealth or business careers in public. Rather, most of them live humbly and typically work common jobs like firefighters and engineers.
Like their neighbors, they’re quiet people who prefer to keep to themselves. But that doesn’t mean they don’t have a lot to teach us about how to get rich. Some key takeaways: make sure you own a home, spend less than you earn, and save at least 10% of everything you make. You might not become a millionaire overnight, but if you follow these three simple rules, you could be on your way.
By 2022 all companies will offer their employees financial education programs designed to prepare workers for retirement. This book is written by one of America’s leading experts on money management (he has written 14 books on personal finance), he founded an organization called ‘Retirement Clearinghouse‘ which educates retirees on how to manage their money better.
In his book, he writes about how each generation faces different financial challenges and even suggests specific investments that would be appropriate for each generation (Baby Boomers, Gen Xers & Millennials). The author also discusses why he believes certain investment strategies worked well in past decades but may not do as well today.
5) The Total Money Makeover
If you have a mountain of debt, it’s easy to feel overwhelmed. But by focusing on paying off just one debt at a time, you can move forward. Paying off $1,000 in debt requires $1,000 in payment; after that is paid off, that amount of money is freed up to pay down another $1,000 of debt. It may seem slow at first—and it’s tempting to spend your extra money.
But if you stick with it, you’ll be amazed at how quickly your debts will disappear! The Total Money Makeover provides a step-by-step plan to help you get out of debt and build wealth. This book has been recommended by many financial experts as being one of the best personal finance books around.
6) 7 Habits of Highly Effective People
How to Be an Agent of Change and Make Your Mark on This World by Stephen R. Covey: In a business environment, we are all agents of change. Whether you’re a senior executive at one of Silicon Valley’s biggest companies or just starting out as an entrepreneur, there is no time when it is more important to understand how best to drive your career forward than now.
There’s no doubt about it – The 7 Habits of Highly Effective People is one of the most influential books in recent memory, with over 25 million copies sold worldwide since its publication in 1989. First published in 1989, The 7 Habits has become a worldwide phenomenon with translations into more than 28 languages and sales totaling more than 25 million copies.
7) The $100 Startup
With a few hundred dollars and a business plan, anyone can start their own successful business. The $100 Startup by Chris Guillebeau was written in 2012, but its advice still holds true today. It is written in a series of interviews with several entrepreneurs who started their businesses on a small budget.
The author includes details about how to obtain loans, write your business plan, and more. The book shows you how easy it is to start your own business if you have initiative and creativity. This book will motivate you to begin working toward your dream job or career path.
8) Success Built to Last
Jim Collins’ iconic book on building a lasting and successful business was published in 2022, but its advice is as applicable today as it was then. His best piece of advice: use objective criteria to develop strategies and recruit people who have, or can quickly learn, specific skills that are essential to achieving your goals.
Collins’ book illustrates how good processes create excellent results and why great vision without disciplined execution is never enough. It’s a great resource for personal finances, too: knowing what you want in life and having clear strategies to achieve your goals will help you make smart decisions with your money. And who knows? Maybe it could help you build an empire that lasts 100 years!
Also Read: 8 Best Budgeting Apps to Download Now
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