Archives September 2023

A personal finance advisor is a professional who gives financial advice and services to clients according to their specific needs. They give advice tailored to their customer’s need and mitigate risk. A personal finance advisor gives wide variety of services aligned with their client’s current and future goals. Some personal finance advisors get flat fee for their services and some of them earn commission from the sale of investments. A typical personal finance advisor develops a financial plan for their clients that evaluates their current as well as future financial needs.

Some personal finance advisors are paid a percentage of the client’s assets and professional organizations like FPA(The Financial Planning Association) and NAPFA(National Association of Personal Financial Advisors) can help us to locate personal finance advisors in our locality. It is absolutely important to verify the history and credentials of each and every personal finance advisor whom we seek help from. A prospective investor can ask a personal finance advisor whether they have FINRA licenses or professional designations. Personal finance advisors are passionate about finding a job opportunity with wealth management firms like Fidelity, Vanguard, and Charles Schwab. The role of a personal finance advisor is different from that of an adviser and they are legally bound to act in best financial interests for their clients.

Qualifications Possessed by Personal Finance Advisors

Personal finance advisors in USA should hold the series 7, the series 66, or the Series 65 licenses from the Financial Industry Regulatory Authority. Every American state demands the series 63 license before an investment advisor can conduct business within its borders. Additional qualifications possessed by personal finance advisors include CFP(Certified Financial Planner), CFA(Chartered Financial Analyst), ChFC(Chartered Financial Consultant) and RIA(Registered Investment Advisor). CFP qualified personal finance advisor will be a master expert in taxes, insurance, estate planning and retirement. CFA(Chartered Financial Analyst) qualified personal finance advisor is equipped with deep knowledge of accounting, economics, money management and security analysis.

Every qualification of personal finance advisor demands a strong awareness of the ethical requirements for financial planners. Designations like CFP, CFA ,ChFC, and RIA are considered as good indicators of a personal finance advisor’s experience as well as training. The designing of a financial plan by a personal finance advisor involves a comprehensive evaluation of the current and future financial state of client. It takes into account different factors like age, financial goals, saving for education, purchasing home, and generating income.

Different Aspects of Financial Plan Made by Personal Finance Advisor

Education, net worth and financial experience of client is taken into consideration while making a financial plan for client by personal finance advisor. Tax liabilities, asset allocation, future retirement plan and estate plan are extra aspects of financial plan made by a personal finance advisor. A skilled personal finance advisor does not reuse templates on different clients and well experienced personal finance advisors incorporate customer’s financial journey, attitude towards investing, attitude towards budgeting, and continued education about financial topics in financial plan. An ideal financial plan conceptualized by a personal finance advisor should be fluid that allows for occasional updates. A bachelors degree is a minimum requirement for becoming a personal finance advisor.

The list of some of the best online personal finance software include Mint, Quicken Deluxe, Money Dance, Personal Capital, Credit Karma and Wallet Hub.

Mint

Simplicity, usability and smart financial tools punctuate Mint, the gold standard for personal finance websites. Mint is rated as best for free and automated financial tracking and this personal finance software is totally free. Investors can connect to all of their financial accounts, check credit score, create budgets and get a good estimate of their net worth with Mint. Mint continues its invincible journey of excellence through the corridors of global financial market. Creative presentation of data and smart personal finance features make Mint stand out from its high profile competitors.

Quicken Deluxe

Quicken Deluxe is best for managing investments and people can track their income and expenses with Quicken Deluxe. The emergence of Quicken Deluxe as a feature rich personal finance application has been evolutionary rather revolutionary. It takes care of simple account management, budgeting, bills and investing. Quicken Deluxe will be of immense help in planning, investing and small business money management. It has left indelible impressions as a personal finance app and the software is rolled out in four versions.

Money Dance

Money Dance is a desktop based online personal finance software that has been around for a very long time. Income management, expense management, online banking, bill pay, investment tracking, budgeting and reports are the functionalities offered in the one and only Money Dance. Support for multiple international currencies and cryptocurrencies make Money Dance stand out from the rest. Money Dance is best for adding integrations and individuals can import transactions from a PayPal Business account with Money Dance. Customers can pay online bills through Money Dance and it is a great alternative to Quicken Deluxe.

Personal Capital

Personal Capital is an excellent tool for investment tracking and it has elegant personal finance features. Investment and retirement planning are the focal areas of Personal Capital as a personal finance application. It offers sound personalized personal finance advice coupled with making retirement estimations. Personal Capital is powered by transaction management and cryptocurrency tracking features. Outstanding user experience is another fantastic feature of Personal Capital and it provides investment planning as well as retirement planning.

Wallet Hub

Wallet Hub is immensely popular among investors all over the world since it is best for monitoring and analyzing credit. This personal finance software deals with credit score, how to analyze credit score and ways to improve credit score. It is an excellent personal finance app for credit shoppers looking for the best financial products for their own situations. Wallet Hub is a super personal finance app for shaping budgets, comparing borrowing costs and planning for the future. It is totally free and detailed financial product profile is a splendid attraction of Wallet Hub.  

Credit Karma

Credit Karma is unquestionably the best personal finance app for free credit scores and it keeps investors up to date on credit scores. The Credit Karma features information on best credit cards, loans, and auto insurance deals. Credit Karma is recommended for individuals who want to improve their credit score and smart educational tools is the unique selling proposition of Credit Karma as a personal finance management app.

There are plenty of careers in personal finance, both inside and outside of the investing world. An individual should think about himself, his values, and personality before choosing a star studded career in personal finance. Becoming an actuary or quantitative analyst will be a great career option for a person who is a math whiz. Jobs in personal finance includes accounting, compliance, budget analysis and financial management. Many personal finance careers have great earning potential and they come with commission, profit sharing and bonuses.

Accountant

Becoming an accountant is a lucrative career option in personal finance and accountants are passionate about getting a job with big accounting firms like Deloitte, Pricewaterhouse Coopers, Ernst and Young and KPMG. An accountant can get job in financial companies, government organizations and universities. Accountants should possess keen eye for detail, strong problem solving skills and strong analytical skills. They should have expert knowledge on general accounting principles, accounting practices and accounting laws. Job prospects of an accountant with accounting certification will increase tremendously in the job market.

CPA(Certified Public Accountant) is the most popular and most coveted accounting certification.

Credit Analyst

Credit analysts are entrusted with the responsibility of analyzing the credit, financial data and history of individuals. Banks, credit card companies, mortgage firms, insurance firms and investment firms employ credit analysts. Strong decision making, critical thinking, analytical, research and communication skills are vital for credit analysts. Most credit analysts hold bachelors or masters degree in finance, accounting or related field. Some credit analyst positions require a CFA(Chartered Financial Analyst) credential.

Broker

Brokers buy and sell securities such as stocks, bonds and other funds and they are responsible directly to the investors. Most of the brokers work for themselves or a brokerage or securities firm. A broker is responsible for growing their own client list and brokers should have entrepreneurial mindset and strong interpersonal skills. Broker position requires a four year degree and FINRA(Financial Industry Regulatory Authority) licenses are needed to complete trade on behalf of others.

Financial Analyst

Financial analysts will be working for investment firms and banks and some of them work as corporate financial analyst. A financial analyst should have strong math, analytical, and communication skills. Financial analyst should have a bachelors degree in finance or related field and pursuing a related internship will be helpful in getting a dream job. CFA certification, FINRA license and MBA are required to progress as a financial analyst.

Budget Analyst

Budget analyst works predominantly in private companies and government offices. Strong analytical and communication skills are necessary to come out in flying colours as a budget analyst. Most budget analysts hold a bachelors degree in accounting or related field and they may need a certified Government Financial Manager Credential from the Associate of Government Accountants to work in budget analyst position in governments.

Personal Finance Planner

Personal finance planner helps individuals to provide education on investments, selecting investments, managing portfolios, planning for long term goals and monitoring finances. A personal finance planner works for private banks, retail banks, investment funds and investment firms. Some personal finance planners work for themselves and strong interpersonal skill is an absolute must have for personal finance planner.

A general definition of personal finance is maintaining our money throughout our life and it involves understanding facts like the utility of credit cards. Personal finance features information like how interest rates could make or break portfolios. Budgeting, setting spending, saving priorities, cash flow planning, and maximizing benefit through rewards programs come under personal finance. Personal finance strategies rely on income, expenditure, living expenses, requirements, and essential demands. Learning how to budget, balancing a cheque book, securing funds for purchasing, and saving for retirement are some practical examples of personal finance. 

Personal finance comprises budgeting, insurance, mortgage planning, savings and retirement planning. It primarily deals with family budgets, personal savings, investments, and making use of credit cards. Budget, insurance and savings are key personal finance terms. The budget is absolutely important in maintaining the record of spending patterns and taking up insurance is a vital part of personal finance management. One can protect himself through purchasing health insurance, life term insurance and car insurance.

Importance of Emergency Savings Fund

It is important to make an emergency savings fund and personal finance has become an integral part of our day today life. Becoming financially literate has become quite important in the contemporary internet age. Personal finance has become a crucial part of human life in the post Covid 19 world in determining the direction and essence of human life. Individuals can get a basic knowledge about personal finance through online courses, articles, blogs and podcasts. Personal finance incorporates budgeting, preparing emergency funds, clearing off debt, and leveraging credit cards carefully.

Knowing the basics of personal finance like savings accounts and budgeting will help us to build a better future. It is recommended to produce multiple sources of income and we should keep ourselves educated with personal finance terms. Banking, investment, mortgages, and loans are different types of personal finance. Investment in real estate, stock market, and fixed deposit are always in high demand. Planning for a budget is very important as far as personal finance is concerned and conceptual knowledge of credit score is important for investor.

Mitigating the Debt as a Vital Aspect of Personal Finance Management

Individuals should essentially maintain a satisfactory credit score that is helpful in sustaining high grade credit worthiness. Mitigating the debt is a key aspect of personal finance management of the contemporary era. Investors should necessarily have a fund for emergency conditions like medical bills and accidents. Personal finance management is of utmost importance in today’s environment and there are innumerable options available to professionally manage personal finance. Being a broad term , personal finance, is the management of money for an individual or family covering budgeting, retirement planning and investing.

Knowledge of tax laws, investment opportunities and investment rates is essential for personal finance management. Financial growth at the individual level is dependent upon reducing debts, reducing credit card reliance, avoiding impulsive buys, and long term planning. Each and everyone of us needs to save for retirement and emergencies. Income, spending, savings, investing, and protection are the five focus areas of personal finance. Proper tax planning is an important aspect of personal finance management and personal finance can be described in simple terms as the art of managing money in an elegant fashion.

Personal finance refers to managing finances through budgeting, spending and savings. It is a mix of long term planning, potential financial risks, retirement, estate planning, and investments. Personal finance incorporates how we manage our finances, both short term and long term. It also refers to a multibillion-dollar industry dedicated to the services and products designed to help individuals manage their finances. Personal finance is a crucial part of managing day today financial needs and planning financial future.

An individual can better understand opportunities to improve finances by getting a crystal clear idea about personal finance. Personal finance comprises wealth management, loans, debt, social security, budgeting, retirement, taxes, risk management, estate planning, investments, insurance, credit cards, home and mortgage. Income, spending, savings, investing and protection are five areas of personal finance. The foundation of personal finance is income and income include salary, pension, social security, and income from rental properties or investments. Spending includes money for any expenses we may have and controlling the amount of money we spent is helpful in setting aside money to grow financial future.

Financial Products Offering Protection from Financial Risks

Savings includes any money from our income that we don’t spend but set aside for financial needs in future. It is crucial since it is necessary to provide for planned expenses and unplanned expenses. Investment can be defined as purchase that allow us to earn future income or savings and it include purchases of mutual funds, stocks, real estate and bonds. Financial products like annuities, property insurance, casualty insurance, life insurance and health insurance offer protection from financial risks. These financial products provide financial security or protection from unexpected financial costs.

We should be aware of our income before committing to spending like credit card debt, car loans and mortgage. It is a wise idea to set aside money from each pay cheque for unexpected emergencies and long term goals. Saving while we are young is a great idea and people look for better interest rates for savings accounts. We should never borrow what we can’t repay and this will improve credit and keep debt manageable. Individuals can setup an annual budget of income and known expenses.

The Importance of Diversifying Investments

We should keep in mind that high returns mean high risks and diversifying investments is an elegant idea. Investors should be aware of get rich quick schemes and it is good to write down our short term and long term financial goals. Health, home, auto, and life insurance will protect us and our loved ones from financial hardship in the event of accidents or serious illness. People can better educated at personal finance through online classes and in-person classes related to personal finance. Local libraries and bookstores will have a huge collection of books related to personal finance. Personal financial advisors are specialized in helping people managing their personal finances and plan their financial futures.

Financial advisors sell products like annuities, mutual funds, bonds, stocks and life insurance. Personal finance management skills are helpful in manging our money well and ensuring our bright financial future. Management of personal finance plays a pivotal role in financial freedom and personal finance management is necessary since it helps meet money and security needs.

Guide to personal finance essentially involves planning for taxes, building an emergency fund, managing debt, protecting with insurance, planning for retirement, investing beyond 401K, and creating an estate plan. Emergency fund often comes in handy and understanding and managing debt is a vital part of creating a financial plan. People with good financial plan make use of insurance and individuals aged around 50 should necessarily opt for long term care insurance. Personal finance includes managing individual finances, family finances, taking responsibility of current financial situation, taking responsibility of future financial situation and setting financial goals. Handling individual financial tasks and saving money for emergencies come under personal finance.

Personal finance is a very broad term that covers managing money, saving and investing. People can learn personal finance through online articles, courses, blogs, podcasts and books. Managing personal finance includes income, spending, savings, investments and protection. Using credit cards wisely is a key aspect of personal finance management and personal finance is all about meeting personal financial goals. Saving for child’s college education is an integral component of personal finance management strategy.

Income as the Starting Point of Personal Finance

Managing personal finance has become critical than ever in USA when inflation is eating away at purchasing power and prices are increasing. Income is often referred as the starting point of personal finance and managing spending is a vital aspect of personal finance. It is a fact that investing comes with its own risks and protection includes life insurance, health insurance, estate planning and retirement planning. Wealth management, loans, debt, budgeting, retirement, taxes, risk management, estate planning, investments, insurance, credit cards, home and mortgage are prominent personal finance services. Growing number of personal budgeting mobile apps have made managing personal finance quite easy.

It is quite important to ensure that money is set aside for unexpected expenses like medical bills, car repair, and day today expenses if we lose job. Graduated repayment, extended repayment, and income driven repayment are flexible federal repayment programs worth checking. It is essential to borrow only what we can repay and credit card is often a major debt trap. Using a debit card is a great way to ensure that we will not be paying for accumulated small purchases over an extended period with interest rates. People can reduce income tax by investing in plans like IRA(Individual Retirement Account), 401K and 403B.

Teaching Kids the Value of Money

It is important to teach children the value of money and investing is one part of planning for retirement in the contemporary age. Insurance can cover most of the hospital bills and medical expenses is a leading reason for debt. Almost all media publications give personal finance advice and reading personal finance blogs is an excellent way to learn more about personal finance. Some of the personal finance best sellers like I Will Teach You to Be Rich, The Millionaire Next Door, Your Money or Your Life, Rich Dad Poor Dad, and Personal Finance for Dummies will be available in your local library. Free online courses are another great resource to learn more about personal finance. Personal finance podcast is a fantastic way to learn more about managing money.

Some of the famous personal finance experts include Dave Ramsey, Robert T Kiyosaki, Rachel Cruze, Grant Cardone and Tiffany Aliche.

Dave Ramsey

Dave Ramsey is a renowned personal finance expert with stellar reputation and he is the author of numerous bestsellers including “The Total Money Makeover”. Mr Dave Ramsey is the host of the financial advice show “The Ramsey Show”, heard by 23 million listeners every week. He is also the Chief Executive Officer of the company Ramsey Solutions, specializing in connecting individuals with plans of financial success. People can take control of their precious money, build wealth and lead a life of their dreams with the expert advice of Dave Ramsey. Dave Ramsey is a recognizable name in personal finance and he advises investors to cut up their credit cards and get out of debt.

Robert T Kiyosaki

Robert T Kiyosaki is the author of the best selling book “Rich Dad Poor Dad” and the book is a classic of personal finance. He is the founder of Rich Global LLC and the Rich Dad Company, a financial education group. Robert T Kiyosaki has turned his book “Rich Dad Poor Dad” into an educational empire offering a variety of resources. “Why We Want You to be Rich?”, “Midas Touch”, “Who Stole My Pension?”, and “Second Chance” are other books written by Robert T Kiyosaki, the gifted wordsmith. He is the host of ‘’Rich Dad Radio Show” and Rich Dad channel on YouTube.

Rachel Cruze

Rachel Cruze is the author of “Know Yourself, Know Your Money” and she is one of the renowned personal finance experts. Rachel Cruze is the host of “Rachel Cruze” show and she gives practical tips to save money, get out of debt quickly and make progress towards financial goals. Rachel Cruze is the daughter of well known personal finance expert Dave Ramsey and Cruze advises people to manage their money and get out of debt. She informs, educates, and gives practical advice to investors through her social media platforms. According to Rachel Cruze, creating and following a zero based budget is the top money saving hack for staying afloat amidst inflation.

Grant Cardone

Grant Cardone is the author of “10X Rule” and he is the Chief Executive Officer of Cardone Capital. Mr Grant Cardone is the creator of 21 best selling business programs and he launched the 10X Growth Conference in 2017. Grant Cardone is a highly respected personal finance expert and he teaches investors through his books and seminars. He owns and operates seven privately held companies along with a portfolio of properties valued at over $4billion. List of other books written by Grant Cardone includes “If You are Not First, You Are Last”, and  “Sell or Be Sold”. Grant Cardone has been named as the No 1 marketer by Forbes.

Tiffany Aliche

The book “Get Good with Money” is written by Tiffani Aliche and she is known as the “budgetnista”. Her book “Get Good with Money” deals with her own experience of dealing with financial insecurity. Tiffany Aliche appeared in the Netflix documentary “Get Smart with Money” in 2022 and she is upfront about her mistakes in financial management. Her practical advice will help individuals improve their finances.

It is a well known fact that economics and personal finance are interrelated and they influence each other. Economics and personal finance are often taught and presented as separate disciplines. Both economics and personal finance are important and they have valid applications. Personal finance focuses on the techniques and tools of managing money. Both economics and personal finance focus on how companies and investors evaluate risk.

Economics has been more theoretical and finance has been more practical. The distinction with economics and personal finance has become less in the past twenty years. Both economics and personal finance professionals are being employed in government organizations, corporations and financial markets. Both economics and personal finance are absolutely important to the economy, investors and markets. Personal finance is derived from economics and it comprises assessing money, banking, credit, investments, and numerous aspects of financial systems. Finance can be divided into public finance, corporate finance and personal finance.

Personal Finance as an Offshoot of Economics

Economics throws light on how goods and services are made, distributed, used, and how the economy functions. Macroeconomics and microeconomics are two distinct branches of economy. Personal finance is an offshoot of economics and it elaborates the management, creation, study of money, banking, credit, investments, assets and liabilities. Budgeting, insurance, mortgage planning, savings and retirement planning are core components of personal finance. Both economics and personal finance are interrelated disciplines with some overlap.

Both personal finance and economics are concerned with the world of money, markets, and transactions. Economics give importance to regional or global economies and it analyses the behaviour of these people within these markets. It has been pointed out that economics is a broader field of study than personal finance and financial strategies for personal finance are dependent upon the individual’s earning, living requirements, goals and desires. Good personal finance strategy is a mixture of pension for retirement, savings for retirement, responsible use of credit cards, responsible use of loans, suitable insurance policies, and securing the best mortgage rates.

Income and Savings as the Vital Components of Financial Systems

Personal finance is the snapshot of an individual’s financial state and mindset of how to manage money and other financial tools such as income, debt, budgeting, credit, savings and investments. Income, savings, investments, checking accounts, spending, budgeting, credit, credit scores, insurance and taxes are the vital components of personal finance. Income and savings and investments are two most important types of personal finance. Passive income and active income are two key types of income. A best example of passive income is the interest we earn on money deposited into a savings account.

Salary or wage from a job is the best example of active income and savings and investments are best sources of passive income. Interest earnings from savings account and savings bonds are considered as savings income. Dividend paid to stockholders and interest paid to bondholders come under investment income. Checking accounts are suitable for transaction payments and they don’t generate much interest. It is a convenient and secure way to store transactional funds.

Investors use online software or spreadsheets to monitor their checking account balances on a daily or weekly basis. Expenditures can be divided into regularly recurring and predictable expenditures and non specific or unpredictable expenditures.

Personal finance blog is a much needed resource of guidance and inspiration for investors and individuals. The list of most popular personal finance blogs includes Nerd Wallet, Good Financial Cents, The Balance, Mint,  The Simple Dollar, Wise Bread, Money Crashers, Money Under 30 and Well Kept Wallet.  

Nerd Wallet

Nerd Wallet is unquestionably one of the best personal finance blogs and it helps individuals make financial decisions about banking, credit cards, insurance and more. The Nerd Wallet is equipped with lots of tools that are helpful in finding the best loans, accounts and credit cards.

Good Financial Cents

Good Financial Cents was started by Jeff Rose, a certified financial planner way back in 2008. This personal finance blog is a mini encyclopedia of budgeting, savings, paying off debt and building wealth. Jeff Rose writes lots of articles himself and other top personal finance writers contribute to Good Financial Cents.

The Balance

The Balance is a large personal finance blog that has been around for twenty years and it has more than 9000 articles. This personal finance blog boasts of 24 million monthly readers and it covers numerous aspects of personal finance. The Balance is undoubtedly a top money blog and it has scaled new heights of popularity within a very short time span.

Mint

The posts in Mint are written by a team of financial experts equipped with an encyclopedic knowledge of personal finance. It covers many topics including budgeting, family financing, travel jobs and money etiquette. There are lots of resources available in Mint that cover finances in relation to Covid 19.

The Simple Dollar

Trent Hamm founded The Simple Dollar in 2006 and it is one of the most popular blogs on personal finance. The Simple Dollar has plenty of information about credit cards, loans, banking, and insurance. Actionable advice on budgeting, paying off debt and saving make The Simple Dollar stand out from the rest. Posts in The Simple Dollar are written by a wide array of self styled expert personal finance contributors. 

Wise Bread

Wise Bread was started in 2006 and this leading personal finance blog boasts of millions of monthly readers. The main focus of Wise Bread is on making money and managing taxes. This personal finance blog will be of immense help to individuals passionate about achieving financial independence.

Money Crashers

Andrew Schrage and Gyutae Park started Money Crashers in 2009 and it has lots of information about personal finance. Money Crashers is an invaluable resource on credit cards including best credit card deals and in-depth credit card reviews. This money blog showcases information on investing, saving and making money.

Money Under 30

David Weliver started Money Under 30 in 2006 and Money Under 30 rocketed into prominence as one of the best personal finance blogs for millennials and Generation Z. There are articles on Money Under 30 about effective habits, credit scores, using credit cards wisely and buying a car.

Well Kept Wallet

Well Kept Wallet has been there since 2010 and it is managed by Deacon Hays, financial planner and personal finance expert. There is a team of expert personal finance writers associated with the one and only Well Kept Wallet. Articles published in Well Kept Wallet are helpful in saving, paying off debt and earning money.

Best Personal Finance Books: An Ultimate Guide

This article lists the best personal finance books that can help individuals achieve their financial goals easily.

• The Total Money Makeover by Dave Ramsey
• You are So Money: Live Rich, Even When You are Not by Farnoosh Torabi
• I Will Teach You to Be Rich by Ramit Seti
• Rich Dad Poor Dad by Robert Kiyosaki
• The Millionaire Next Door By Thomas Stanley and William Danko

The Total Money Makeover by Dave Ramsey

The Total Money Makeover is an excellent personal finance book with many real life examples of people who followed Dave’s step and made a killing. It is unquestionably one of the best personal finance books showcasing lots of motivating aid and guidance. The Total Money Makeover is one of the best personal finance books that offer a fresh outlook on financial goals of an individual and the rewards they can achieve by acquiring these goals.

You are So Money: Live Rich, Even When You are Not by Farnoosh Torabi

You are So Money: Live Rich, Even When You are Not by Farnoosh Torabi is the masterpiece of Farnoosh Torabi. The best thing about this book is that the author simplifies the complexities of finance and makes budgeting look very easy. The ultimate focus of You are So Money: Live Rich, Even When You are Not by Farnoosh Torabi is on prioritizing an individual’s spending based on what he or she desires the most. The nice thing about this book is that it encourages readers to live life to the fullest and the book You are So Money: Live Rich, Even When You are Not by Farnoosh Torabi combines new ideas and educating individuals about personal finance. The writing style of Farnoosh Torabi is fresh, engaging, attractive, direct, powerful and mesmerizing. The author advises readers not to be thrifty and investors will find how much fun it can be to live and die rich.

I Will Teach You to Be Rich by Ramit Seti

I Will Teach You to Be Rich by Ramit Seti is one of the top rated books on personal finance and it is an absolute must read for people in the age group 20 to 35. The book I Will Teach You to Be Rich by Ramit Seti portrays wealth creation strategies for personal entrepreneurship.

Rich Dad Poor Dad by Robert Kiyosaki

The unique selling proposition of Rich Dad Poor Dad is that it covers almost everything about personal finance. Invaluable lessons about money offered by this book made it a stupendous bit among readers all over the world.

The Millionaire Next Door by Thomas Stanley and William Danko

The book The Millionaire Next Door sheds light on the investing style of intelligent investors. The book talks elaborately about how multibillionaires are thoughtful about wealth and live frugally in their day today life.

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