Because nobody taught us this stuff in school, but it’s kinda the foundation of everything.
Let’s be real: most of us reach our twenties with zero clue how money actually works.
You get your first job (maybe it barely pays), your first card (and probably swipe it too much), and you try to “adult” without really knowing what you’re doing. Bills, rent, EMIs, credit scores — suddenly you’re in a game where everyone else seems to know the rules.
But here’s the truth: you’re not behind.
You’re not stupid.
You were just never taught.
So, if you’re in your twenties (or close to it), here are 8 money books that’ll help you get your life together — without sucking the fun out of it.
1. The Psychology of Money by Morgan Housel
For when you wonder: “Why am I so weird with money?”
This book doesn’t throw numbers at you. It gently explains why we make emotional decisions with money — even when we know better. It’ll help you understand your own habits, fears, and even why people richer than you still feel broke. Think of it as therapy… but for your wallet.
2. I Will Teach You To Be Rich by Ramit Sethi
For when you want a money plan that feels doable and kinda fun
Ramit is that brutally honest friend who says, “You can still eat avocado toast and be rich — you just need a system.” He gives you clear, actionable steps on budgeting, investing, saving, and living your version of a rich life (not just the Instagram kind). No guilt-tripping. Just real talk.
3. Your Money or Your Life by Vicki Robin
For when you’re tired of the “earn more, spend more” cycle
This book asks the tough question: Is your money worth your time and energy? It flips your whole mindset. Suddenly, buying that fancy jacket doesn’t seem worth 10 hours of work. It’s not just about saving — it’s about living with intention. And that hits different in your twenties.
4. Rich Dad Poor Dad by Robert Kiyosaki
For when you want to stop working for money and make it work for you
This one’s a classic. It’s not perfect, but it’s eye-opening — especially if you grew up with the “study hard, get a job, save” advice. It teaches you the basics of assets vs liabilities, passive income, and why the wealthy play by different rules. A great place to start.
5. The Millionaire Next Door by Thomas J. Stanley & William Danko
For when you realize rich doesn’t always mean flashy
You might be surprised to learn that many millionaires live modest lives, drive normal cars, and save like pros. This book crushes the myth that being rich means living large. It’s a quiet kind of wealth — the kind that’s built slowly, wisely, and peacefully.
6. Broke Millennial by Erin Lowry
For when money feels too awkward, confusing, or embarrassing
Erin gets it. She talks like a friend who’s figured stuff out and wants to walk you through it — from paying off loans to splitting the bill without drama. No judgment, no confusing jargon. Just straightforward advice for figuring out adult finances, one small win at a time.
7. The Barefoot Investor by Scott Pape
For when you just want someone to tell you exactly what to do
Scott gives you a simple system with steps like “set up this bank account,” “use this card,” “call this number.” It’s clear, kind, and ridiculously helpful. The book was written for Australians, but honestly, it works for anyone trying to feel less overwhelmed by money.
8. The Simple Path to Wealth by JL Collins
For when investing feels like a scary grown-up thing you’re not ready for
This is the book that makes you say, “Wait… investing is this simple?” JL Collins breaks it down in a way that’s chill and empowering. If the stock market has always felt like a confusing beast, this book tames it. It’s like a starter kit for long-term freedom.
But Why Should You Read These Now, In Your Twenties?
Because honestly, your twenties are when you lay the groundwork for the rest of your life. Even if you’re broke right now. Even if you’re still figuring out what you want.
