The summer cool down is one of the perfect times of the year to download that book you've been wanting to read--just in time for fall. Especially when it comes to our finances. And, with the seemingly never-ending highs and lows on the impact of our normal routines--and budgets--in addition to so many other things, there's never been a better time than now to learn something new.
The good news is, there are numerous books out there for every stage of life and for every money goal, whether deciding to retire early, having those tough conversations with family about money, building generational wealth, or simply taking that leap in choosing to see money from a different point-of-view. But which truly speak to us?
According to Dr. Nicole Garner Scott, the exclusive xoTribe membership app's resident Money Coach, Black women may be bearing the brunt of this recession with our employment numbers dropping by 11 percent. But we refuse to allow this to affect our long-term goals--we can only pivot them, and continue, as she always lovingly says, "to put more intention behind the life cycle of our dollars."
So, here's a curated list of personal finance books you should add to your bookshelf ASAP: some personal faves and some highly-acclaimed. Happy reading!
*Some of the links below are affiliate links. If you make a purchase through our links, xoNecole may earn a small commission.
The Financial Diet: A Total Beginner's Guide to Getting Good with Money
The Financial Diet
The Financial Diet is the personal finance book for people who don't care about personal finance. Whether you're in need of an overspending detox, buried under student debt, or just trying to figure out how to live on an entry-level salary, The Financial Diet gives you tools to make a budget, understand investments, and deal with your credit. It's about everything―from the clothes you put in your closet, to your financial relationship habits, to the food you put in your kitchen (instead of ordering out again).
The One Week Budget: Learn to Create Your Money Management System in 7 Days or Less!
Amazon
In this book, The Budgetnista herself teaches you what took her years to learn. The One Week Budget is for anyone that wants to manage their day-to-day money without the day-to-day hassle. Does this sound like you? What are you waiting for? Read the book already!
Women & Money: Owning the Power to Control Your Destiny
Amazon
At the center of this fully revised and updated edition, Suze presents an all-new Financial Empowerment Plan, designed to get you to a place of emotional and financial security as quickly as possible—because the most precious commodity women have is time.
The Money Manual: A Practical Money Guide to Help You Succeed on Your Financial Journey
Amazon
All you need is information designed for you that empowers you to take action. An Amazon Best Seller, The Money Manual was designed to help you cut through the clutter that often leads to feeling overwhelmed and anxious. It's time you move from financially insecure to secure.
You Are a Badass at Making Money: Master the Mindset of Wealth
Amazon
You Are a Badass at Making Money will launch you past the fears and stumbling blocks that have kept financial success beyond your reach. Drawing on her own transformation—over just a few years—from a woman living in a converted garage with tumbleweeds blowing through her bank account to a woman who travels the world in style, Jen Sincero channels the inimitable sass and practicality that made You Are a Badass an indomitable bestseller. She combines hilarious personal essays with bite-size, a-ha concepts that unlock earning potential and get real results.
The 10 Pillars of Wealth: Mind-Sets of the World's Richest People
Think like a multi-millionaire: leave the 9 to 5 behind. The world has led you to believe that financial freedom is not something you can willfully create in your life. You have been taught to view wealth as something that happens only to a lucky few who win a random business lottery or are blessed with unimaginable talent. The TRUTH is that creating excessive financial wealth does not come down to luck or talent. It comes down simply to your beliefs, understanding, and views--the ''pillars'' that reinforce your every action.
Smart Women Finish Rich
Amazon
Smart Women Finish Rich is one of the most popular financial books for women ever written. A perennial bestseller for over two decades, now Bach returns with a completely updated, expanded and revised edition, Smart Women Finish Rich, to address the new financial concerns and opportunities for today's women.
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Cleanser
Gabrielle starts with a cleanser from U Beauty and follows that up with witch hazel (toner). "I was really lucky because I never really had crazy, problem skin," she said.
"Not until my hormones changed and it was like, 'is this acne? How do you get acne as a fully-grown ass woman?' But I found a way and I just had to start experimenting."
Exfoliator
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Next, she uses PCA Skin Pore Refining Treatment for exfoliation. "When I lived in Miami, I was like an oil slick, but in California where it's dry heat--I've also gotten a little dry in my older age," she said. "So I have to switch up my routine based on where I'm at."
The Being Mary Jane star also gave advice to those looking to improve their skincare routine. "If you see someone's skin that you like, 'what are you doing? What are the products? Tell me the routine,'" she shared. "I hope that it works for you, and if it doesn't, it's like dating. You just keep trying."
Retinol
"Some people have very strong opinions about retinol in the daytime, mainly because of the sun. For me it's kinda interchangeable, because I'm psycho about protection from the sun," she explained.
Facial Wands
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Gabrielle talked about her love for skincare devices. She uses Therabody Theraface Depuffing Wand to help push down the swelling and inflammation around her eyes. She then follows that up with Shani Darden Skin Care Facial Sculpting Wand.
Moisturizer
For moisturizer, she returns to U Beauty. "I started using U Beauty in September. I've never gotten more compliments on my face," she said.
Serum
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Next is PCA Vitamin B3 Brightening Serum and U Beauty The Return Eye Concentrate. "And with all the things I've used thus far, you have to commit to sunscreen because these products left without any protection from the sun will work against you," she said.
Lash Serums
"I don't know who else out there has a problem with TikTok Shop. I can't stop myself," she said. "The Babe Lash lash serum, the NuOrganic lash serum and I use one on one eye and the other on this one. And I just want to see which one is better."
Sunscreen
For sunscreen, she likes Allies of Skin The One SPF 50 Invisible Sunscreen Gel. "It just disappears right on my face," she said. Shen then ends her skincare routine with Winnie Harlow's Cay Skin Isle Lip Balm SPF 30.
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