James' World 2

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Fewer millennials own homes than their parents did at their age. They have more debt — especially student debt. They simply aren’t as wealthy.

Now, if predictions of a long, post-Covid economic boom are to be believed, this may be the last opportunity an entire generation has to build wealth before heading off into retirement.

For Kellie Beach, a real-estate attorney who turned 40 in April, that means starting by aggressively paying down her credit-card debt. Beach has cycled between periods of carrying balances and paying it all off. “I stayed afloat with credit cards,” she said. “I was just used to swiping and overspending.”

The pandemic jolted her into taking a hard look at her habits.

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Over the last 15 years, I whittled down close to six figures of debt I acquired from living beyond my means. In that time, I alternated between ignoring it, agonizing over it, and finally, taking action; I became debt-free last year. Along the way, I read lots of books about money. Since April is National Financial Literacy Month, I wanted to share these nine books about personal finance that each taught me something valuable about managing my money.

The first few are more about the emotional aspects of money, which is where I faced my biggest financial stumbling blocks, while others get into the nitty-gritty of managing your money. I haven’t followed any single book to the letter, which would be impossible since some give contradictory advice. I also don’t necessarily agree with everything each of these authors writes. I have, however, gained the confidence and knowledge I’m using to keep my finances on an upward trajectory. I also learned what doesn’t work for me. I know reading any single book can’t make money simply appear in your bank account (though wouldn’t that be wonderful?), but diving into the topic helped me grapple with the ways I treated money that I wanted to change.

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