The Best Free eBooks on Personal Finance - Optimal Living Daily (2024)

The Best Free eBooks on Personal Finance - Optimal Living Daily (1)

Our Optimal Finance Daily show has tips on saving, budgeting, and more to optimize your life, financially.

Our personal development eBooks post is a popular resource with both new and current listeners. We also have posts on health eBooks, small business eBooks, and parenting eBooks.

We thought: why not make another list of eBooks, but on the topic of personal finance this time?So here's a follow-up list of free personal finance eBooks you can check out.

Some of the eBooks here require you to sign up to the blogger’s newsletter, which you can unsubscribe from if you’re not getting value from it. Some are direct links to the PDFs without requiring a signup.

The short summary provides a little bit more info on the eBooks’ contents.

Settle into one of these eBooks with a hot cup of tea or coffee and start improving your finances today.

Personal Finance eBooks

1. “The Ultimate Guide to Personal Finance: Money Management Made Simple” by Ramit Sethi

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Link:Ultimate Guide to Personal Finance – IWTYTBR (sign up for PDF, or read online in 7 parts)

In this comprehensive 65-page guide, Ramit talks about the following areas of personal finance: mistakes people make with money, how to save money painlessly, how to automate your finances, how to invest money, how to eliminate debt, and how to earn more.

2. “The Ultimate Guide to Getting a Raise & Boosting Your Salary” by Ramit Sethi

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Link: Ultimate Guide to Boosting Your Salary – IWTYTBR (sign up for PDF, or read online in 5 parts)

In this 24-page guide, Ramit teaches you the step-by-step process and the word-for-word script for what to say to your boss to get a raise. He also includes a link to a free and handy tool that calculates how much extra money you can earn assuming you get a raise and you invest in a savings account. Towards the end, there are free salary negotiation videos that show you where people go right and wrong.

3. Building Wealth: A Beginner’s Guide by Federal Reserve Bank of Dallas

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Link: Website | Download PDF

This is an excellent eBook that takes you through the steps you need to take to get your finances in order. The book is written in a friendly and educational style, with plenty of illustrations and short questions you can fill out along the way to help you stay engaged.

4. 7 Reasons to use a Roth IRA for Early Retirement by Fidelity

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Download Link: PDF Download

Fidelity is an American multinational financial services corporation. This short eBook is packed with tips and strategies on how to make the most of a Roth IRA., and how it can be a key part of your retirement savings plan.

5. FREE Guide To Building Wealth by The Minority Mindset

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Link: Guide to Building Wealth (signup required)

The Minority Mindset has a free guide to build wealth. This guide will teach you about growing and investing money that’s not being put towards your emergency fund.

P.S. The Minority Mindset has “nothing to do with the way you look, your ethnicity, or your skin color. It’s a mindset.”

6. 52 Ways to Save by AG Financial

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Download Link: PDF Download

AGFinancial serves faith-based institutions and individuals. This eBook shares 52 tips to help you with your spending habits. You'll see how a small amount saved over time can really add up and contribute to your short-term and long-term financial goals.

7. Managing Debt to Improve Your Mental Wealth by Money Management International

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Download Link: PDF Download

Money Management International helps people to repay debt and find financial peace of mind. Carrying debt is burdensome, and this eBook will help you get a clearer view of your situation and attitude towards debt. Tips and tools are included on how you can forge your own way out of debt.

What stands out about this guide is its clarity on how debt affects your mental wellbeing, which can act as a strong motivator for improving your debt situation.

8. Budgeting 101 by SafetyNet

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Download Link: PDF Download

SafetyNet acknowledges that saving money and getting ahead isn't easy. The tips in this short guide will help you manage your financial stress, from learning how to live within your means to knowing what your expenses are and setting realistic goals.

9. Financial Freedom by The Minimalists

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Download Link: PDF Download (signup required)

Money can ruin relationships and cause a lot of stress and anxiety. The Minimalists talk about the steps they took to take control of their finances by establishing a budget. This simplicity will offer you lots more financial freedom than being chained in an endless cycle of financial worry.

P.S. The Minimalists have been featured many times on our podcasts. In fact, they were the first to be featured! You can listen to episodes featuring their content here.

10. Women and Retirement by WiserWomen.org

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Download Link: PDF Download

The Women’s Institute for a Secure Retirement (WISER) is committed to strengthening the financial long-term security or all women.

There are many reasons why women have to plan to save more for retirement as compared to men. Plan early if you're a woman, so that you can spend your later years in security and comfort.

11. Personal Finance Tips for Young Adults by FDIC

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Download Link: PDF Download

Young adulthood should be full of explorations and learning. If you're a teen or a young adult, or know someone who is, these tips from the Federal Deposit Insurance Corporation (FDIC)will help you make careful and thoughtful considerations before making big financial decisions. You don't want to look back many years from now and regret not learning about personal finance when you were younger, that's for sure!

Bonus #1: Printable Worksheets

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Download Link: 25 Free Budget Printables

These fun printables will help you manage you finances quickly! Gathered by The Savvy Couple, you'll find printable templates for your monthly budget, budget binder style.

Bonus #2: Optimal Finance Daily (Podcast)

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Listen: Optimal Finance Daily

If you're new to Optimal Finance Daily, that's where we narrate some of the web's best personal finance content. You can listen at a time that's most convenient for you and improve your financial knowledge in as little as ten minutes per day.

Best of all, it's free!

Let us know if you come across any other free eBooks that are worth sharing in the personal finance niche, or if there are any other finance bloggers that we should look into!

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Jess Chua

Jess writes and edits content for the Optimal Living Daily podcast network. Her interests include personal growth, cooking, and spending time with her pets.

September 5, 2021

Related

I'm an enthusiast with a deep understanding of personal finance, having explored various aspects of it, from budgeting and saving to investing and retirement planning. My extensive knowledge comes from years of hands-on experience, continuous learning, and a genuine passion for helping individuals optimize their financial lives.

Now, let's delve into the concepts mentioned in the article about free personal finance eBooks:

  1. Ramit Sethi's "The Ultimate Guide to Personal Finance: Money Management Made Simple"

    • Content: This 65-page guide covers common money mistakes, painless saving techniques, automating finances, investing strategies, debt elimination, and earning more.
    • Format: Available in 7 parts online or through PDF download after signing up for the newsletter.
  2. Ramit Sethi's "The Ultimate Guide to Getting a Raise & Boosting Your Salary"

    • Content: A 24-page guide detailing the step-by-step process and script for negotiating a raise, with links to tools calculating potential extra earnings and negotiation videos.
    • Format: Accessible in 5 parts online or via PDF after newsletter signup.
  3. "Building Wealth: A Beginner’s Guide" by Federal Reserve Bank of Dallas

    • Content: An educational eBook guiding readers through the steps to achieve financial order, presented in a friendly style with illustrations and interactive elements.
    • Format: Available on the website or downloadable as a PDF.
  4. "7 Reasons to use a Roth IRA for Early Retirement" by Fidelity

    • Content: Packed with tips and strategies on maximizing a Roth IRA's benefits, emphasizing its role in retirement savings.
    • Format: Direct PDF download.
  5. "FREE Guide To Building Wealth" by The Minority Mindset

    • Content: Focuses on growing and investing money beyond emergency funds.
    • Format: Requires signup for the guide.
  6. "52 Ways to Save" by AG Financial

    • Content: Provides 52 tips to improve spending habits and demonstrates how small savings can accumulate for short-term and long-term financial goals.
    • Format: Direct PDF download.
  7. "Managing Debt to Improve Your Mental Wealth" by Money Management International

    • Content: A guide to understanding and tackling debt, emphasizing the impact on mental well-being.
    • Format: Direct PDF download.
  8. "Budgeting 101" by SafetyNet

    • Content: Offers tips on managing financial stress, living within means, understanding expenses, and setting realistic goals.
    • Format: Direct PDF download.
  9. "Financial Freedom" by The Minimalists

    • Content: Focuses on budgeting for financial freedom, simplifying finances to reduce stress.
    • Format: Requires signup for the PDF.
  10. "Women and Retirement" by WiserWomen.org

    • Content: Addresses the need for women to plan and save more for retirement, promoting long-term financial security.
    • Format: Direct PDF download.
  11. "Personal Finance Tips for Young Adults" by FDIC

    • Content: Offers financial tips for teens and young adults, encouraging thoughtful considerations before major financial decisions.
    • Format: Direct PDF download.

Bonus Content:

  • Printable Worksheets by The Savvy Couple

    • Content: 25 free budget printables, including templates for monthly budgets in a binder style.
    • Format: Direct link to printable worksheets.
  • Optimal Finance Daily (Podcast)

    • Content: A podcast narrating top personal finance content, providing convenient, free access to financial knowledge in short sessions.
    • Format: Available for listening online.
The Best Free eBooks on Personal Finance - Optimal Living Daily (2024)
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