The best personal finance books by people of color that don’t make you feel bad

Why am I passionate about this?

As a licensed social worker, it struck me as bizarre that none of my training equipped me to talk to my clients about money. In grad school, the opening line from every professor was, “You didn’t choose this field to make money.” Yet? It’s something every single one of us needs and interacts with daily. So I started checking out personal finance books by the armsful. These books are different than novels: they deserve to be updated and modernized. But the same handful of personal finance books have been published and republished for decades, and most of them sound boringly redundant once you get past the intro.


I wrote...

The Financial Anxiety Solution: A Step-by-Step Workbook to Stop Worrying about Money, Take Control of Your Finances, and Live a Happier Life

By Lindsay Bryan-Podvin,

Book cover of The Financial Anxiety Solution: A Step-by-Step Workbook to Stop Worrying about Money, Take Control of Your Finances, and Live a Happier Life

What is my book about?

As a therapist, clients constantly brought up how anxiety-provoking their money was. But I wasn't equipped to talk about it with them meaningfully. After getting certified in Financial Therapy and Social Work, I wrote The Financial Anxiety Solution because I was sick of personal finance books that didn't address the emotional side of money. This book doesn't just talk about your feelings; it also offers readers an interactive workbook full of practical and applicable financial exercises. These easy exercises cover everything from soothing your nervous system when you look at your bank account, to tracking situations that are likely to make you overspend, and offering you scripts to bring up money in important relationships. In short? It's a practical go-to guide for all things money and anxiety. 

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The books I picked & why

Book cover of Finance for the People: Getting a Grip on Your Finances

Lindsay Bryan-Podvin Why did I love this book?

Not only does Finance for the People offer a blend of practical personal finance tips while addressing the emotional side of money, but Paco adds over 50 illustrations to help drive her point home.

Any time a book can explain something in diverse ways–from metaphors or stories to graphics–I find them more approachable. Paco's book helps people think critically and compassionately about how their beliefs about money shape their financial choices.

This book mirrors so many of my beliefs about money, making it a frequent go-to recommendation anytime someone asks me for a personal finance resource. 

By Paco de Leon,

Why should I read it?

1 author picked Finance for the People as one of their favorite books, and they share why you should read it.

What is this book about?

An illustrated, practical guide to navigating your financial life, no matter your financial situation

"a potent mix of deeply practical and wonderfully empathetic" —Erin Lowry, author of Broke Millennial

"one of the most approachable financial books I've ever read." —Refinery 29

We are all weird about money. Whether you have a lot or a little, your feelings and beliefs about money have been shaped by a combination of silence (or even shame) around talking about money, personal experiences, family and societal expectations, and a whole big complex system rigged against many of us from the start. Begin with that baseline…


Book cover of Money Out Loud: All the Financial Stuff No One Taught Us

Lindsay Bryan-Podvin Why did I love this book?

A common question I'm asked as a financial therapist is, "Why don't people talk about money more?"

In this book, Berna doesn't just talk about the practicalities of money; she gets others' thoughts and opinions on it too. The "Open Mic" section is so powerful. It's a segment sprinkled throughout the book where Berna asks others about money–everything from their financial goals to what they've nicknamed their savings accounts.

When money is so taboo, it's helpful (and fun!) to read about what others are doing with their money. 

By Berna Anat, Monique Sterling (illustrator),

Why should I read it?

1 author picked Money Out Loud as one of their favorite books, and they share why you should read it. This book is for kids age 12, 13, 14, and 15.

What is this book about?

So no one taught you about money, either? Let's figure this me$$ out together.

In this illustrated, deeply unserious guide to money, Berna Anat-aka the Financial Hype Woman-freaks out her immigrant parents by doing the unthinkable: Talking about money. Loudly.

Because we're done staying silent, anxious, and ashamed about our money. It's time to join the party and finally learn about all the financial stuff that always felt too confusing. Stuff like:

How to actually budget, save, and invest (but also make it fun) How our traumas shape our most toxic money habits, and how to create new patterns How…


Book cover of I Will Teach You to Be Rich

Lindsay Bryan-Podvin Why did I love this book?

I stumbled upon Ramit's work years ago when I started trying to get my financial life together.

At the time, I was checking out armfuls and armfuls of books from the library, but they felt so grossly out of touch with my current financial reality. I wanted practical advice, and in Ramit's book, I found it.

I Will Teach You To Be Rich walks readers through how to focus more on big financial matters, like automating savings and retirement contributions in low-cost index funds, instead of focusing on $5 and $10 purchases.

His philosophy is that everyone's version of a "rich life" is different, and rather than trying to shoehorn someone else's financial philosophy into yours, it's imperative to consider your life's needs and wants and prioritize spending and to save in the areas that will bring you the most joy and security. 

By Ramit Sethi,

Why should I read it?

6 authors picked I Will Teach You to Be Rich as one of their favorite books, and they share why you should read it.

What is this book about?

The groundbreaking NEW YORK TIMES and WALL STREET JOURNAL BESTSELLER that taught a generation how to earn more, save more, and live a rich life—now in a revised 2nd edition.
 
Buy as many lattes as you want. Choose the right accounts and investments so your money grows for you—automatically. Best of all, spend guilt-free on the things you love.
 
Personal finance expert Ramit Sethi has been called a “wealth wizard” by Forbes and the “new guru on the block” by Fortune. Now he’s updated and expanded his modern money classic for a new age, delivering a simple, powerful, no-BS 6-week…


Book cover of Cashing Out: Win the Wealth Game By Walking Away

Lindsay Bryan-Podvin Why did I love this book?

Julien and Kiersten Saunders paid off $200k in debt in five years and left their corporate jobs before turning 40.

In most personal finance books with an opening like this, you'd have to buckle in for a lot of talk about how easy it is to follow their lead if you just "worked harder," but they completely sidestep that trope.

Instead, they help readers reframe their relationship to corporate work, address how racism shows up in work and finances, and help people figure out how to get what they need from their job and leave the toxic rat race behind by creating a "15-year career."

The 15-year career starts by building a financial foundation, leveraging transferrable skills to find the highest-paying positions that need those skills, and creating an emotional and financial exit plan. 

By Julien Saunders, Kiersten Saunders,

Why should I read it?

1 author picked Cashing Out as one of their favorite books, and they share why you should read it.

What is this book about?

A revolutionary financial and career path to break free from corporate America's grasp, make peace with your finances, and build wealth on your own terms

When it comes to our finances, we’re told to follow the same script as our white colleagues: work hard, make money, save, and invest. Yet despite putting in twice the effort, you end up making less and are routinely passed up for career opportunities. Here’s the truth: financial freedom is within your reach, but playing by corporate America’s rules will only take you halfway there. To win, you must eventually walk away—and take up an…


Book cover of It's Not About The Money: A Proven Path to Building Wealth and Living the Rich Life You Deserve

Lindsay Bryan-Podvin Why did I love this book?

Scarlett believes that money is something to be to improve our lives now and that it's something to save for the future.

She, like me, found far too many people focusing on sacrificing in the short term for the hope that their future would be better. Instead, she defines money as "an essential tool for creating the life I wanted," through that lens, she writes about money. And a tool that can be used now and not only in retirement.

At the end of each chapter, Scarlett summarizes the chapter's topic and gives readers a list of action steps to take. I love that she offers readers actionable advice that they can apply in real-time. The action steps vary between journal-style questions and tactical try-it-out tips. 

By Scarlett Cochran,

Why should I read it?

1 author picked It's Not About The Money as one of their favorite books, and they share why you should read it.

What is this book about?

A new, holistic way to understand money and find your own path to financial freedom, from the wealth-building expert behind One Big Happy Life

    You deserve to live your dream life. Mastering your finances and learning how to use your money to create that life is a nonnegotiable, because let’s be honest: life costs money. The good news is that you can create a money plan that you actually enjoy sticking to—one that allows you to build wealth while spending guilt-free on a life that you love today.

Scarlett Cochran knows because she’s been there, from starting out as a…


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God on a Budget: and other stories in dialogue

By J.M. Unrue,

Book cover of God on a Budget: and other stories in dialogue

J.M. Unrue Author Of The Festival of Sin: and other tales of fantasy

New book alert!

Why am I passionate about this?

I’m an old guy. I say this with a bit of cheek and a certain amount of incongruity. All the books on my list are old. That’s one area of continuity. Another, and I’ll probably stop at two, is that they all deal with ordinary people caught in extraordinary circumstances—those curveballs of life we flail at with an unfamiliar bat; the getting stuck on the Interstate behind a semi and some geezer in a golf cap hogging the passing lane in a Buick Le Sabre. No one makes it through this life unscathed. How we cope does more to define us than a thousand smiles when things are rosy. Thus endeth the lesson.

J.M.'s book list on showing that somebody has it worse than you do

What is my book about?

Nine Stories Told Completely in Dialogue is a unique collection of narratives, each unfolding entirely through conversations between its characters. The book opens with "God on a Budget," a tale of a man's surreal nighttime visitation that offers a blend of the mundane and the mystical. In "Doctor in the House," readers are plunged into the emotionally charged moment when an oncologist delivers a life-altering diagnosis to a patient. The collection then shifts to "Prisoner 8086," a story about the unlikely friendship that blossoms between a prison volunteer and a habitual offender, exploring themes of redemption and human connection.

The heart of the book continues with "The Reunion," a touching narrative about high school sweethearts reuniting, stirring up poignant memories and unspoken feelings. "The Therapy Session" adds a lighter touch, presenting a serio-comic exchange between a therapist and a challenging patient. In "The Fishing Trip," a father imparts crucial life lessons to his daughter during an eventful outing, leading to unexpected consequences. "Mortality" offers a deeply personal moment as a mother shares a cherished, secret story from her past with her son.

The collection then takes a romantic turn in "The Singles Cruise," where two individuals find connection amidst shared stories on a cruise for singles. Finally, "Jesus and Buddha in the Garden of Eden" provides a satirical, thought-provoking encounter in the afterlife between two spiritual figures. The book concludes with "The Breakup," a nuanced portrayal of a young couple's separation, told from both perspectives, encapsulating the complexities of relationships and the human experience.

God on a Budget: and other stories in dialogue

By J.M. Unrue,

What is this book about?

Nine Stories Told Completely in Dialogue is a unique collection of narratives, each unfolding entirely through conversations between its characters. The book opens with "God on a Budget," a tale of a man's surreal nighttime visitation that offers a blend of the mundane and the mystical. In "Doctor in the House," readers are plunged into the emotionally charged moment when an oncologist delivers a life-altering diagnosis to a patient. The collection then shifts to "Prisoner 8086," a story about the unlikely friendship that blossoms between a prison volunteer and a habitual offender, exploring themes of redemption and human connection.

The…


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