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Financial Tools & Books You Need To Master Money in 2026
19
items Financial literacy will change your life and its' within your reach. As someone who has reached financial independence, this is everything I'd recommend digging into this year to master your money.
Sections
5
Start With The Basics: Books
Start with the Basics: Tools
Salary Negotiation
Dive into Investing in the Stock Market
Dive into Real Estate Investing
Start With The Basics: Books
If you haven't really delve into understanding money or finances, this is the best place to start.
Would recommend as the first book you read on personal finance. Mindset is crucial when reflecting on spending habits, how to shift your habits and make them stick. This gave me a lot of perspective on what I needed to work on myself before really di...
The Psychology of Money: Timeless Lessons on Wealth, Greed, and ...
Loved this book. Rachel is approachable and as a self-made millionaire herself, she dives into actionable steps on what other women can do to achieve the same goal. Women supporting women.
We Should All Be Millionaires: A Woman's Guide to Earning More, Building Wealth, and Gaining Economic Power|Paperback
Funny how you think you have an "idea" of what a millionaire is, but you really don't. I like this book because it gave a real inside look into what real millionaires are like and the traits they embody vs what we think they embody.
The Millionaire Next Door: The Surprising Secrets of America's Wealthy|Paperback
The value here is how Ramit automates his finances, a system that can be easily applied to other individuals. He also focuses on how to reduce late fees and manage debt, which is another component to achieving financial health.
I Will Teach You to Be Rich, Second Edition: No Guilt. No Excuses. No ...
A well-rounded book that focuses on mindset, increasing income and negotiation tactics to get you what you're worth.
Rich AF: The Winning Money Mindset That Will Change Your Life|Hardcover
Start with the Basics: Tools
Budgeting is the foundation of being financial savvy. Knowing your expenses makes you more aware of your habits and where there might be opportunities to cut.
Putting pen to paper helps some vs putting it all in a spreadsheet. If you like to physically jot things down, I recommend this comprehensive planner for budgeting and keeping track of expenses!
Budget Planner & Expense Tracker Notebook
My personal link to a budgeting spreadsheet in excel that I use to this day.
Personal Budget Planner, Debt Payoff Tracker & Paycheck Planning Tool | Digital Download Spreadsheet
You may end up preferring using cash instead to manage your money. Having physical cash prevents you from overspending and ensures every dollar is allocated to a purpose (bills, groceries, fun, etc)
Sooez 100 Envelope Money Saving Challenge Book
Salary Negotiation
To increase your wealth, you need to increase the amount you invest, which you can achieve by earning more and keeping your expenses the same. The more you can invest, the more you can increase your wealth. Here are my favorite books I've read that h...
Learning that compromising isn't necessarily the solution and what to do instead to get what you want.
Never Split the Difference: Negotiating As If Your Life Depended On It|Hardcover
Another helpful book on how to get to a yes. Immediate rejection doesn't mean giving up - it means reframing the ask.
Getting to Yes: Negotiating Agreement Without Giving In|Paperback
Book focused on helping women with negotiation. This is a topic that women struggle with more than men, it's a key area to master!
Ask For It: How Women Can Use the Power of Negotiation to Get What They Really Want|Paperback
Dive into Investing in the Stock Market
Investing can be scary, but it doesn't have to be. These books and resources helped me get over my fear of investing.
One of my favorite books on understanding value investing - what it means, how to diversify, how to evaluate what to invest in and why.
The Intelligent Investor, 3rd Ed.: The Definitive Book on Value Investing
Depositing isn't the same as investing! Make sure you are investing the money you put into a Toth IRA/Traditional IRA/HSA!
Opening a Roth IRA (or Traditional IRA or HSA) and not investing the money is like preheating the oven but never putting the cake in.
If you need more support around managing the emotional part of investing, I highly recommend reading this book. It helps you understand how to manage those emotions.
Girls That Invest: Your Guide to Financial Independence through Shares and Stocks|Paperback
Dive into Real Estate Investing
This is the tool I use to assess rental properties to purchase. This spreadsheet has helped over 100 people find the right investment property to buy.
Rental Property Investment Calculator: Income & Expense Tracker (Digital Download)
This is the youtube channel that I follow on real estate investing. He is the creator of the Reventure app. In his videos, he shows how to use the data in his app to make better offers on homes (either as a homebuyer or real estate investor).
Reventure Consulting
My go-to tool for all of my real estate housing market information: mortgage to income ratio, % of population that rents vs buys, demographics, average HHI, everything you need to assess whether a market has potential for a rental.
Reventure App: Housing Market Forecasts for 2026
I like Rabbu however I do think their estimates for average nighly price are quite high. You need to spend the time to look through the comps and really make sure that they're comps.
Airbnb Marketplace – Buy, Sell & Finance Profitable Rentals | Rabbu
Airdna is similar to Rabbu - I like using both for comparison and to see what the middle range is between the two.
AirDNA