The Book
Money Matters
A Young Person's Guide to Saving, Managing, and Investing for the Life You Want.
The best beginner personal finance book for young adults. No jargon. No lectures. No need to be "good at math." Just honest guidance on how to manage money in your 20s — from your first paycheck and how to budget after graduation, to your first Roth IRA, 401k, and investment account.
ISBN 979-8-19-739877-2 · Available in paperback and Kindle.
Table of Contents
Twelve chapters, twelve worksheets
- 01Why You Need to Think About Money Now
- 02Making a Plan You Can Actually Stick To
- 03Know Your Numbers: Income and Expenses
- 04Pay Yourself First
- 05The Three Accounts Every Young Person Needs
- 06Building Your Emergency Fund
- 07Retirement Accounts and Free Money
- 08The Power of Compounding
- 09Investing in Stocks and Mutual Funds
- 10Debt Is Your Enemy — and Credit Cards Are Not Your Friend
- 11Growing Your Income and Living Within Your Means
- 12Keep Learning, Review Often, and Enjoy the Journey
Free Downloads
Download the Worksheets
All twelve worksheets are free to download, print and use to keep your financial plan updated as needed.
A promise to the reader
Read the book and actually do the worksheets, and you'll walk away with three things — a clear picture of where your money goes, a simple plan for saving and investing, and the quiet confidence that comes from finally understanding it.
- Build a budget and an emergency fund that actually last
- Pay yourself first — and make saving automatic
- Harness compounding, the math behind real wealth
- Start investing with confidence, not fear
- Stay free of debt and the credit card trap
- Grow your income and live within your means