The Best Personal Finance Books, In My Opinion

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Search for personal finance books on the internet and you’ll be hit with links to thousands of titles. Where do you even start? Finance books, as you might expect, rely heavily on numbers and this tends to put a lot of people off. So to join in, I’ll throw out a random ratio I made up myself. The 90/10 ratio. In order to achieve a good financial standing, you need two things in different quantities. 90% must be devoted to gaining a certain perspective on wealth, and 10% must be devoted to percentages. 

The Best Personal Finance Books

What I mean by this is although you need to recognise the importance of ROI (return on investment), what you mostly require is a certain perspective on wealth in order to build it. How do you gain that perspective? You hear from people who understand that your perspective is much more important than a percentage. So here are two examples of books that I believe understand this concept and explain it extremely well. 

Rich Dad Poor Dad, By Robert Kiyosaki

Robert Kiyosaki is an American entrepreneur, investor and educator. He tells the story of having two fathers, his biological father and the father of his best friend. His biological father (poor dad), taught the importance of education and getting a good job with good benefits. His best friend’s father (rich dad), taught the importance of financial literacy, asset building and entrepreneurship. This book is the perfect example of how perspective can change outcomes. Kiyosaki’s life growing up allowed him to hear both perspectives but ultimately, his rich dad made him into the man he became. This is one of my favourite personal finance books of all time.

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This book was first published in 1949, which you might think outdates it immensely. But Graham, the father of “Value Investing” and mentor to Warren Buffett, taught principles which can still be applied to the stock market today. These principles focus on teaching the reader how to find value stocks, and how to take advantage of the fear-perpetuated rapid stock market declines, which can pay dividends in the long term. The book has been revised multiple times and the last version was published shortly before Graham’s death in 1976. Although some of his methods are advanced, if you are going to pick one book to read on investing, this should be it.

You can check prices on Amazon here.


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