Whether you’re sitting in your favourite chair, lounging by the pool somewhere hot or chilling at the bottom of your garden, nothing’s more relaxing than settling down with a good book. But rather than escaping to your favourite fictional world, why not opt for something a little more practical and check out this list of my 10 best personal finance books?

If you’ve been trying to get to better grips with your money, but don’t know how. These books will help you understand how to manage your money not only now, but in the future as well. They will also inspire you and give you great ideas on how to improve your finances and the relationship you have with money.

1.  The 100-Year Life: Living and Working in an Age of Longevity

The 100-Year Life explores how living to 100 will have a profound effect on modern society and the economy, and will result in a complete restructuring of everyone’s professional and personal lives.

So, if the idea of working until state pension age fills you with dread, then this is the book to help you figure out how to maximise your pension saving and investments.

Drawing on the unique pairing of their experience in psychology and economics, authors Lynda Gratton and Andrew Scott offer an analysis to help you rethink retirement, your finances, your education, your career, and your relationships to create a fulfilling 100-year life.

Many of us have been raised on the traditional notion of a three-stage approach to our working lives: education, followed by work and then retirement.

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But this well-established pathway is already beginning to collapse–life expectancy is rising, final-salary pensions are vanishing, and increasing numbers of people are juggling multiple careers. Whether you are 18, 45, or 60, you will need to do things very differently from previous generations and learn to structure your life in completely new ways.

The 100-Year Life is a wake-up call that describes the choices and options that you will face in the age of longevity. It is also fundamentally a call to action for individuals, politicians, firms, and governments and offers the clearest demonstration that a 100-year life can be a wonderful and inspiring one.

2.  Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!

It’s not hard to see why Rich Dad Poor Dad has been a bestseller for two decades.

In Rich Dad Poor Dad, the #1 Personal Finance book of all time, Robert Kiyosaki shares the story of his two dads: his real father, whom he calls his ‘poor dad,’ and the father of his best friend, the man who became his mentor and his ‘rich dad.’ One man was well educated and an employee all his life, the other’s education was “street smarts” over traditional classroom education and he took the path of entrepreneurship…a road that led him to become one of the wealthiest men in Hawaii. Robert’s poor dad struggled financially all his life, and these two dads—these very different points of view of money, investing, and employment—shaped Robert’s thinking about money.

Robert has challenged and changed the way tens of millions of people, around the world, think about money and investing and he has become a global advocate for financial education and the path to financial freedom. Rich Dad Poor Dad (and the Rich Dad series it spawned) has sold over 36 million copies in English and translated editions around the world.

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3.  The Single Ladies of Jacaranda Retirement Village: an uplifting tale of love and friendship

Joanna Nell’s life-affirming debut is a moving, funny, heart-warming tale of love and community in the spirit of The Unlikely Pilgrimage of Harold Fry and Grace and Frankie

The life of 79-year-old pensioner PEGGY SMART is as beige as the décor in her retirement village.

Her week revolves around aqua aerobics and appointments with her doctor.

Following a very minor traffic accident, things have turned frosty with her grown-up children and she is afraid they are trying to take away her independence.

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The highlight of Peggy’s day is watching her neighbour Brian head out for his morning swim. She dreams of inviting the handsome widower – treasurer of the Residents’ Committee and one of the few eligible men in the village – to an intimate dinner. But why would an educated man like Brian, a chartered accountant no less, look twice at Peggy? As a woman of a certain age, she fears she has become invisible, even to men in their eighties.

But a chance encounter with an old school friend she hasn’t seen in five decades – the glamorous fashionista ANGIE VALENTINE – sets Peggy on an unexpected journey of self-discovery. Ultimately a pleasant story about refusing to ‘go gentle into that good night.’

4. The Complete Guide to Property Investment: How to survive & thrive in the new world of buy-to-let

From the author of Amazon best-sellers “Property Investment For Beginners” and “Beyond The Bricks” Over the last 20 years, more than a million Brits have made life-changing profits from buy-to-let. But as prices keep rising and the tax landscape changes, investors need to get smarter in order to succeed.

It’s far from “game over,” but the game is changing… for the better. The unwary and under-prepared will be squeezed from the market – leaving educated, strategic investors to have their best decade yet.

The Complete Guide To Property Investment gives you the insight, information and action plan you need to navigate this new property landscape and come out on top.

It starts by demonstrating – with real-life examples – a range of strategies suited to achieving different investment goals. Only then does it take you step by step through every aspect of researching, financing, buying and managing investment properties.

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You’ll learn:

  • How to formulate a strategy suited to achieving your investment goals
  • Everything you need to know about financing your investments
  • An exact step-by-step research process you can use to decide what to invest in
  • How to manage your investments
  • What the property cycle is, and how you can use it to your advantage
  • How to build a profitable portfolio for the long-term – including scaling up, surviving recessions, and exit strategies.

Whether you’re turning to property to secure your retirement, start a new career or generate a stream of passive income, this book will be the most valuable investment you make.

5. The 4-Hour Work Week

The 4-Hour Workweek’ was first published in 2007, and has consistently topped best-seller lists and is showing no signs of abating.

It seems we can’t get enough of Timothy Ferris’ and his advice on how to restructure our lives so they’re not all about work.

Whether you’ve got dreams of escaping the rat race, experiencing high-end world travel, earning a monthly five-figure income with zero management, or just living more and working less, this book is the blueprint and will tell you everything you need to know from how to outsource your least favourite tasks with virtual assistants, to taking mini-retirements throughout your career.

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6.  Principles: Life and Work

Principles is written by one of the world’s most successful investors and entrepreneurs, “the Steve Jobs of investing” Ray Dalio, one of the world’s most successful investors and entrepreneurs, shares the unconventional principles that he’s developed, refined, and used over the past forty years to create unique results in both life and business.

Whilst this book won’t teach you to become a savings champion overnight, it has an abundance of wisdom that will help you learn a range of skills that can be applied to all areas of life from tackling challenges and making decisions to motivating others.

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7.  Unshakeable: Your Financial Freedom Playbook

Tony Robbins, arguably the most recognizable life and business strategist and guru, is back with a timely, unique follow-up to his smash New York Times bestseller Money: Master the Game with a step-by-step playbook, taking you on a journey to transform your financial life and accelerate your path to financial freedom.

No matter your salary, your stage of life, or when you started, this book will provide the tools to help you achieve your financial goals more rapidly than you ever thought possible.

Building upon the principles in Money: Master the Game, Robbins offers the reader specific steps they can implement to protect their investments while maximizing their wealth. It’s a detailed guide designed for investors, articulated in the common-sense, practical manner that the millions of loyal Robbins fans and students have come to expect and rely upon.

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Few have navigated the turbulence of the stock market as adeptly and successfully as Tony Robbins. His proven, consistent success over decades makes him singularly qualified to help investors (both seasoned and first-timers alike) preserve and add to their investments.

8.  High Performance Habits: How Extraordinary People Become That Way

THESE SIX HABITS WILL MAKE YOU EXTRAORDINARY.

After extensive original research and a decade as the world’s highest-paid performance coach and author, Brendon Burchard finally reveals the most effective habits for reaching long-term success.

Based on one of the largest surveys ever conducted on high performers, it turns out that just six habits move the needle the most in helping you succeed. Adopt these six habits, and you win. Neglect them, and life is a never-ending struggle.

We all want to be high performing in every area of our lives. But how?

Which habits can help you achieve long-term success and vibrant well-being no matter your age, career, strengths, or personality? To become a high performer, you must seek clarity, generate energy, raise necessity, increase productivity, develop influence, and demonstrate courage.

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This book is about the art and science of how to practice these proven habits. If you do adopt any new habits to succeed faster, choose the habits in this book. Anyone can practice these habits and, when they do, extraordinary things happen in their lives, relationships, and careers.

Whether you want to get more done, lead others better, develop skill faster, or dramatically increase your sense of joy and confidence, the habits in this book will help you achieve it. Each of the six habits is illustrated by powerful vignettes, cutting-edge science, thought-provoking exercises, and real-world daily practices you can implement right now.

HIGH PERFORMANCE HABITS is a science-backed, heart-centred plan to living a better quality of life. Best of all, you can measure your progress.

9.  Intelligent Investor: The Definitive Book on Value Investing – A Book of Practical Counsel

The classic bestseller by Benjamin Graham, perhaps the greatest investment advisor of the 20th century, The Intelligent Investor has taught and inspired hundreds of thousands of people worldwide.

Since its original publication in 1949, Benjamin Graham’s book has remained the most respected guide to investing, due to his timeless philosophy of “value investing,” which helps protect investors against the areas of possible substantial error and teaches them to develop long-term strategies with which they will be comfortable down the road.

Over the years, market developments have borne out the wisdom of Benjamin Graham’s basic policies.

Here he takes account of both the defensive and the enterprising investor, outlining the principles of stock selection for each, and stressing the advantages of a simple portfolio policy.

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Among the book’s special features are the use of numerous comparisons of pairs of common stocks to bring out their elements of strength and weakness and the construction of investment portfolios designed to meet specific requirements of quality and price attractiveness.

The Intelligent Investor may be the most important book you will ever read on making your investments a success.

10.  The Richest Man In Babylon

Beloved by millions, George S. Clason’s classic business book reveals the financial principles that hold the key to personal wealth.

THE SUCCESS SECRETS OF THE ANCIENTS—AN ASSURED ROAD TO HAPPINESS AND PROSPERITY

So, if you’re not ready to let go of fiction completely, The Richest Man In Babylon, is a series of stories about financial successes and failures dating back to ancient Babylon and provides a few very basic concepts, but ones that are at the root of financial success: pay yourself first, live frugally, invest wisely, don’t chase returns, and don’t give out your hard-earned money to someone who doesn’t have the skills and discipline to safeguard them as you would.

This business book holds the secrets to keeping your money—and making more. May they prove for you, as they have proven for millions of others, a sure key to gratifying financial progress.

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