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How to Money: Your Ultimate Visual Guide to the Basics of Finance
Conquer tax season this year -- and learn what to do with that refund -- with How to Money, an in-depth, full-color illustrated guide to personal finance from New York Times bestselling author and expert Jean Chatzky, Kathryn Tuggle, and the team at HerMoney. *As featured on Live with Kelly and Ryan* *A 2023 Business Insider Best Personal Finance Book - Teens and Gen Z*"Where was this book when we were teenagers?" - Real Simple There’s no getting around it. You need to know how to manage money to know how to manage life — but most of us don’t! This full-color, illustrated guidebook from New York Times bestselling author and financial expert Jean Chatzky, Kathryn Tuggle, and their team at HerMoney breaks down the basics of money—how to earn it, manage it, and use it—giving you all the tools you need to take charge and be fearless with personal finance.Featuring exclusive HerMoney interviews with CEOs, activists, and many more, How to Money will teach you the ins and outs a budget (and sticking to it)-scoring that first job (and what that paycheck means)-navigating college loans (and avoiding student debt)-getting that first credit card (and what “credit” is)-investing like a pro (and why it’s important!)All so you can earn more, save smart, invest wisely, borrow only when you have to, and enjoy everything you've got!
247 pages, Kindle Edition
First published May 10, 2022
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May 9, 2024
เราไม่ใช่ทาร์เก็ตของหนังสือเล่มนี้ ถามว่ามันเหมาะกะใคร
✅ first jobber
✅ นักศึกษา/วัยเรียน
ถ้าตอนนี้เรากำลังอยู่ในมรสุมของบัตรเครดิตหลายธนาคาร และหมุนเงินไม่เลิกไม่แล้ว เล่มนี้อาจจะช่วยอะไรไม่ได้จนอ่านไปได้แต่พูดว่า ทำไมถึงไม่เจอเล่มนี้ก่อนหน้านี้เนี่ย
มันเป็นหนังสือการบริหารจัดการเงินตัวเองที่อ่านง่าย มีตั้งแต่เริ่มหางานไปจนถึงเริ่มลงทุน พูดด้วยน้ำเสียงสดใส สไตล์พี่สาวและให้กำลังใจเราทั้งเล่ม การแบ่งสัดส่วนเงิน การหาที่พัก การตั้งเป้าหมาย (ด้านการเงิน) การเริ่มต้นทำบัตรเครดิต การเปิดบัญชีธนาการ คือมันยิ่งกว่า 101 เป็นอะไรที่แบบ ทำตามได้ง่ายมาก ถ้าอยู่อเมริกาอะนะ พออยู่ไทยก็อาจจะต้องมีอะไรปรับกันบ้างนิดหน่อย แต่อย่างพวกบัญชีธนาคารในไทยเราก็นับว่าให้บริการครอบคลุมทั้งหมด ไม่ต้องไปเปิดหลายที่ซ้อน ยกเว้นแต่จะใช้โบรกเก้อนอก ในส่วนของเรื่องลงทุนในเล่มนี้ อาจจะต้องหาเล่มอื่นอ่านเพิ่ม แต่จริงๆ มันก็ไม่ใช่หนังสือการลงทุน มันคือหนังสือจัดการเงิน ซึ่งก็ทำได้ดี
ถึงเราจะไม่ตรงทาเก็ต แต่ก็อยากเอาไปให้หลานที่กำลังเรียนมหาลัยอ่าน
✅ first jobber
✅ นักศึกษา/วัยเรียน
ถ้าตอนนี้เรากำลังอยู่ในมรสุมของบัตรเครดิตหลายธนาคาร และหมุนเงินไม่เลิกไม่แล้ว เล่มนี้อาจจะช่วยอะไรไม่ได้จนอ่านไปได้แต่พูดว่า ทำไมถึงไม่เจอเล่มนี้ก่อนหน้านี้เนี่ย
มันเป็นหนังสือการบริหารจัดการเงินตัวเองที่อ่านง่าย มีตั้งแต่เริ่มหางานไปจนถึงเริ่มลงทุน พูดด้วยน้ำเสียงสดใส สไตล์พี่สาวและให้กำลังใจเราทั้งเล่ม การแบ่งสัดส่วนเงิน การหาที่พัก การตั้งเป้าหมาย (ด้านการเงิน) การเริ่มต้นทำบัตรเครดิต การเปิดบัญชีธนาการ คือมันยิ่งกว่า 101 เป็นอะไรที่แบบ ทำตามได้ง่ายมาก ถ้าอยู่อเมริกาอะนะ พออยู่ไทยก็อาจจะต้องมีอะไรปรับกันบ้างนิดหน่อย แต่อย่างพวกบัญชีธนาคารในไทยเราก็นับว่าให้บริการครอบคลุมทั้งหมด ไม่ต้องไปเปิดหลายที่ซ้อน ยกเว้นแต่จะใช้โบรกเก้อนอก ในส่วนของเรื่องลงทุนในเล่มนี้ อาจจะต้องหาเล่มอื่นอ่านเพิ่ม แต่จริงๆ มันก็ไม่ใช่หนังสือการลงทุน มันคือหนังสือจัดการเงิน ซึ่งก็ทำได้ดี
ถึงเราจะไม่ตรงทาเก็ต แต่ก็อยากเอาไปให้หลานที่กำลังเรียนมหาลัยอ่าน
January 22, 2023
This is definitely geared towards young adults, not for people who already live outside of their parents home, have a car, student loans, etc. this is not a book to help you get out of trouble, but how to avoid it before you get there. Not what I was expecting, but I would buy it for my kid.
April 18, 2024
ทำเงินนี้ให้ดีที่สุด | HOW TO MONEY (Jean Chatzky, Kathryn Tuggle) | Salmon | ★★★½
อ่านหนังสือการเงินปีละครั้งเพื่อเตินตัวเองก็ดีเหมือนกัน ทำเงินนี้ให้ดีที่สุด หรือ HOW TO MONEY เป็นหนังสือการเงินฉบับคนรุ่นใหม่ที่ว่าด้วยเรื่องของการใช้เงินในแบบที่อยากใช้(และอยากหา) ถ้าให้พูดตามตรงต้องบอกว่าเป็นหนังสือการเงินที่ไม่ได้มีอะไรใหม่มากนักไม่ว่าจะด้วยเนื้อหาหรือเทคนิคการหาเงินเก็บเงินออมเงินลงทุน แต่สิ่งที่น่าสนใจคือเคมีของคนเขียนเค้าเขียนออกมาออกมาในน้ำเสียงของคนรุ่นใหม่ คนที่อยากใช้เงินเพื่อตัวเอง ใช้เงินเพื่อหาประสบการณ์ประสบการณ์หาความสุข มันเลยมีความแตกต่างกับหนังสือการเงินประเภทที่เล่าด้วยน้ำเสียงเคร่งขรึมและเคร่งครัด อ่านแล้วเราจะสัมผัสได้ถึงความเข้าอกเข้าใจในทางเดียวกันนั้นมันตักเตือนเราได้ด้วย
.
โดยตลอดความยาว 300 หน้าหนังสือเล่มนี้จะแบ่งออกเป็นห้าส่วนด้วยกันได้แก่การหาเงิน การจัดการการเงิน การใช้เงิน การเรียน ส่วนนี้เป็นส่วนที่ทำให้เรารู้สึกว่าหนังสือเล่มนี้เป็นหนังสือที่แตกต่างจากหนังสือเล่มอื่นเพราะมันพูดถึงการ มันเลยเหมาะกับคนที่กำลังเรียนอยู่หรือกำลังจะเรียน หรือคนที่กำลังจะมองหาอาชีพใหม่และรายได้ใหม่นั้นก็ถือว่าเป็นการเรียนเพิ่มเติมเหมือนกัน และส่วนสุดท้ายคืออนาคต บทนี้ก็น่าสนใจเพราะพูดเรื่องสุขภาพ แปลกปะ ไม่ค่อยมีหนังสือการเงินเล่มไหนพูดเรื่องสุขภาพหรอกแต่มันมันคือเรื่องจริงเพราะถ้าสุขภาพดีเราก็ไม่ต้องเสียเงินไปเข้าโรงพยาบาล อ้อ บทนี้ตบท้ายด้วยหัวข้อย่อยอย่างใช้เงินที่มีความสุขด้วย
.
โดยรวมแล้วเป็นหนังสือที่ดีและเรามั่นใจว่าถ้าคนที่ไม่เคยอ่านหนังสือเกี่ยวกับการเงินมาก่อน เพิ่งเรียนจบใหม่หรือกำลังเข้ามหาลัยน่าจะชอบเล่มนี้มากเพราะน้ำเสียงของผู้เขียนมันอ่านแล้วน่ารักไปหมด เขียนด้วยความเข้าใจคนที่อยากจะใช้เงิน ส่วนใครที่พอจะรู้เรื่องการเงินมาบ้างแล้วหรือว่าอ่านหนังสือการเงินของไทยหรือของใครก็ตามมาแล้วเล่มนี้อาจจะไม่ได้ตอบโจทย์ขนาดนั้น ในยุคที่ข้าวของมันแพงแบบนี้การเชียร์ให่คนซื้อหนังสือการเงินอย่างตรงไปตรงมาน่าจะแฟร์กับทุกคนที่สุดแล้ว 😅
อ่านหนังสือการเงินปีละครั้งเพื่อเตินตัวเองก็ดีเหมือนกัน ทำเงินนี้ให้ดีที่สุด หรือ HOW TO MONEY เป็นหนังสือการเงินฉบับคนรุ่นใหม่ที่ว่าด้วยเรื่องของการใช้เงินในแบบที่อยากใช้(และอยากหา) ถ้าให้พูดตามตรงต้องบอกว่าเป็นหนังสือการเงินที่ไม่ได้มีอะไรใหม่มากนักไม่ว่าจะด้วยเนื้อหาหรือเทคนิคการหาเงินเก็บเงินออมเงินลงทุน แต่สิ่งที่น่าสนใจคือเคมีของคนเขียนเค้าเขียนออกมาออกมาในน้ำเสียงของคนรุ่นใหม่ คนที่อยากใช้เงินเพื่อตัวเอง ใช้เงินเพื่อหาประสบการณ์ประสบการณ์หาความสุข มันเลยมีความแตกต่างกับหนังสือการเงินประเภทที่เล่าด้วยน้ำเสียงเคร่งขรึมและเคร่งครัด อ่านแล้วเราจะสัมผัสได้ถึงความเข้าอกเข้าใจในทางเดียวกันนั้นมันตักเตือนเราได้ด้วย
.
โดยตลอดความยาว 300 หน้าหนังสือเล่มนี้จะแบ่งออกเป็นห้าส่วนด้วยกันได้แก่การหาเงิน การจัดการการเงิน การใช้เงิน การเรียน ส่วนนี้เป็นส่วนที่ทำให้เรารู้สึกว่าหนังสือเล่มนี้เป็นหนังสือที่แตกต่างจากหนังสือเล่มอื่นเพราะมันพูดถึงการ มันเลยเหมาะกับคนที่กำลังเรียนอยู่หรือกำลังจะเรียน หรือคนที่กำลังจะมองหาอาชีพใหม่และรายได้ใหม่นั้นก็ถือว่าเป็นการเรียนเพิ่มเติมเหมือนกัน และส่วนสุดท้ายคืออนาคต บทนี้ก็น่าสนใจเพราะพูดเรื่องสุขภาพ แปลกปะ ไม่ค่อยมีหนังสือการเงินเล่มไหนพูดเรื่องสุขภาพหรอกแต่มันมันคือเรื่องจริงเพราะถ้าสุขภาพดีเราก็ไม่ต้องเสียเงินไปเข้าโรงพยาบาล อ้อ บทนี้ตบท้ายด้วยหัวข้อย่อยอย่างใช้เงินที่มีความสุขด้วย
.
โดยรวมแล้วเป็นหนังสือที่ดีและเรามั่นใจว่าถ้าคนที่ไม่เคยอ่านหนังสือเกี่ยวกับการเงินมาก่อน เพิ่งเรียนจบใหม่หรือกำลังเข้ามหาลัยน่าจะชอบเล่มนี้มากเพราะน้ำเสียงของผู้เขียนมันอ่านแล้วน่ารักไปหมด เขียนด้วยความเข้าใจคนที่อยากจะใช้เงิน ส่วนใครที่พอจะรู้เรื่องการเงินมาบ้างแล้วหรือว่าอ่านหนังสือการเงินของไทยหรือของใครก็ตามมาแล้วเล่มนี้อาจจะไม่ได้ตอบโจทย์ขนาดนั้น ในยุคที่ข้าวของมันแพงแบบนี้การเชียร์ให่คนซื้อหนังสือการเงินอย่างตรงไปตรงมาน่าจะแฟร์กับทุกคนที่สุดแล้ว 😅
May 2, 2022
I had unusual parenting. I was raised in a family that talked about money. I know from friends that this was very different, and I also know that I was very lucky. I remember vividly in my mid-20s, making barely $22,000, finding out a colleague was paying someone $50 to do her taxes. I forcibly took over, and it took us 10 minutes to do her 1040EZ. I really hope she managed to do it on her own the next year. $50 was an enormous wasted budget item when trying to live in New York City. (At that time my monthly cable bill was about $25 and so was my monthly phone bill.) I think my father started filing my income taxes (and telling me about them, because of course I had to sign them) when I was about 13. I bought my first $1000 CD when I was 18 (a prerequisite for being allowed to buy a car, for which I paid my own insurance, gas, and maintenance.) By the time I was graduating from college, I knew about renter’s insurance, I had had a credit card for 3.5 years, I had more jobs than classes that last semester, and my car was paid off.
Now, those days you were uninsured the minute you walked across that graduation stage, and my first few jobs were rough, financially. I particularly remember how disheartening it was, having a retail job making $1/hour above minimum wage, and finding out I earned too little to qualify to move into low income housing. (I had a previous supervisor lie and say I still worked that job part time in order to qualify to move in. I was never, ever late with a rent payment.) I also vividly remember that by having multiple part-time jobs in addition to my full-time, I owed over $500 in taxes, for two years in a row. That was more than my monthly rent. It was so much, that the government will fine you (you’re not having enough withheld and they don’t like making tax-free loans to you. Although they’re thrilled when the situation is reversed and they owe you a lot of money year after year. Your goal should be for your taxes to come out even.)
Everyone will face at least some of these issues at some point. You might have faced different ones, like my husband who had to rent his own apartment right after high school graduation when his mom and step-dad moved to another state, and who is still paying off student loans. But you will have some kind of financial issues at some point. Even if you’re making good money and have no debt, you still need to know how to manage it. The best way is to learn young, like in your teens, when you first start earning money. Jean Chatzky and her team at HerMoney have written a great primer for teens on money management. She covers topics ranging from budgeting, to what is a credit history (and why to care), compounding interest. Some of these might not be 100% familiar to adults, but she hits all of the basics across the board. There aren’t a lot of books on this topic, and this one is well-written. (As Ms. Chatzky explains in the college chapter, her degree is in English, not finance, hence the good writing.) She uses good examples and language that should be more identifiable to teenagers. (I’m sure there are a couple of cringe-worthy attempts but that’s inevitable.) There’s not a lot of lecturing and no judgment. Just good information on how to set yourself up for the future.
Now, those days you were uninsured the minute you walked across that graduation stage, and my first few jobs were rough, financially. I particularly remember how disheartening it was, having a retail job making $1/hour above minimum wage, and finding out I earned too little to qualify to move into low income housing. (I had a previous supervisor lie and say I still worked that job part time in order to qualify to move in. I was never, ever late with a rent payment.) I also vividly remember that by having multiple part-time jobs in addition to my full-time, I owed over $500 in taxes, for two years in a row. That was more than my monthly rent. It was so much, that the government will fine you (you’re not having enough withheld and they don’t like making tax-free loans to you. Although they’re thrilled when the situation is reversed and they owe you a lot of money year after year. Your goal should be for your taxes to come out even.)
Everyone will face at least some of these issues at some point. You might have faced different ones, like my husband who had to rent his own apartment right after high school graduation when his mom and step-dad moved to another state, and who is still paying off student loans. But you will have some kind of financial issues at some point. Even if you’re making good money and have no debt, you still need to know how to manage it. The best way is to learn young, like in your teens, when you first start earning money. Jean Chatzky and her team at HerMoney have written a great primer for teens on money management. She covers topics ranging from budgeting, to what is a credit history (and why to care), compounding interest. Some of these might not be 100% familiar to adults, but she hits all of the basics across the board. There aren’t a lot of books on this topic, and this one is well-written. (As Ms. Chatzky explains in the college chapter, her degree is in English, not finance, hence the good writing.) She uses good examples and language that should be more identifiable to teenagers. (I’m sure there are a couple of cringe-worthy attempts but that’s inevitable.) There’s not a lot of lecturing and no judgment. Just good information on how to set yourself up for the future.
August 26, 2025
This book was very informative and I got a lot of good tips about money and adulting
January 9, 2024
THIS BOOK IS AMAZING! It teaches you everything and more of what you think of when you hear “How to Money.” They also add stories from different women in finance, which are very informative!
June 29, 2023
"I did not like it." - 1 out of 5 star rating.
I am not the reader that this author was looking for.
The target audience here is young women, with a knowledge-base delivery level of high school students at best. Even better if you are non-white, pro feminism, a LGBTIQA+ activist, and spend a lot of your energy cycles on thinking about how 'systematic racism is holding people of color down' and other race/gender study type topics.
Hey, it's Chatzky's book and her platform to speak whatever her heart desires. I just don't agree with villainizing white men, cherry picking historical events for emotion pull/attempted reader grab, and this book being loaded to the brim with comments like "we can't let the boys make all the money"... that one being the most kind and gentle passive aggressive jab of them all.
I would encourage the author to be more of an advocate of peace versus an Us vs. Them mentality. This type of behavior creates a loop of hate and you think you are pushing positive change but instead you are just adding weight on the opposite end of the scale.
This is a breeding ground for radicalizing young minds to shift towards actually being the aggressors and committing violence, destruction of property, and so forth... thinking its for the cause... I say again - instead of being advocates of peace and focusing on a new world of shared community.... no matter what you want to do in the bedroom or dress as or whatever.....
When it comes to actual money/financial advice... for anyone beyond high school level, this is incredibly weak. This book is more about everything above, than actual "How to Money."
Some false advertisement here. Should be titled something much more fitting... I won't even attempt to submit a recommended title of respect.
TL/DR;
_____
Us vs them - the sinister technique of ‘Othering’ is coming in hot within this book, in which you'll get little to nothing about actual 'How to Money' unless you're maybe a 16-17 year old.
I am not the reader that this author was looking for.
The target audience here is young women, with a knowledge-base delivery level of high school students at best. Even better if you are non-white, pro feminism, a LGBTIQA+ activist, and spend a lot of your energy cycles on thinking about how 'systematic racism is holding people of color down' and other race/gender study type topics.
Hey, it's Chatzky's book and her platform to speak whatever her heart desires. I just don't agree with villainizing white men, cherry picking historical events for emotion pull/attempted reader grab, and this book being loaded to the brim with comments like "we can't let the boys make all the money"... that one being the most kind and gentle passive aggressive jab of them all.
I would encourage the author to be more of an advocate of peace versus an Us vs. Them mentality. This type of behavior creates a loop of hate and you think you are pushing positive change but instead you are just adding weight on the opposite end of the scale.
This is a breeding ground for radicalizing young minds to shift towards actually being the aggressors and committing violence, destruction of property, and so forth... thinking its for the cause... I say again - instead of being advocates of peace and focusing on a new world of shared community.... no matter what you want to do in the bedroom or dress as or whatever.....
When it comes to actual money/financial advice... for anyone beyond high school level, this is incredibly weak. This book is more about everything above, than actual "How to Money."
Some false advertisement here. Should be titled something much more fitting... I won't even attempt to submit a recommended title of respect.
TL/DR;
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Us vs them - the sinister technique of ‘Othering’ is coming in hot within this book, in which you'll get little to nothing about actual 'How to Money' unless you're maybe a 16-17 year old.
September 12, 2022
Attractive book, but very girlboss and very neoliberal. It does have some useful info, but just because it tries so hard to look progressive by including a lip-servicey section about how Black people were discriminated, I'm giving it only one star instead of the usual two. They even got a Black woman to write a blurb on the importance of learning personal finance and made zero attempt to address the reality of systemic discrimination.
In line with that, they didn't mention things like the origin of credit scores and how it was designed to keep the poor people poor, or why banks are allowed to offer overdraft protection (among other fees) as an option although they (the authors) suggest to say no, or the reason rent keeps going up while minimum wage has been stuck at 2009 (well, they did include the usual supply-demand graph that's not actually the reason--it's unchecked deregulations in a society ruled by the oligarchy). The more I read, the more irritated I became at the info they chose to exclude after playing the "women are discriminated" card, which rarely includes ALL women but just the type of women for whom going to college and vacationing to Paris will always be an option.
In line with that, they didn't mention things like the origin of credit scores and how it was designed to keep the poor people poor, or why banks are allowed to offer overdraft protection (among other fees) as an option although they (the authors) suggest to say no, or the reason rent keeps going up while minimum wage has been stuck at 2009 (well, they did include the usual supply-demand graph that's not actually the reason--it's unchecked deregulations in a society ruled by the oligarchy). The more I read, the more irritated I became at the info they chose to exclude after playing the "women are discriminated" card, which rarely includes ALL women but just the type of women for whom going to college and vacationing to Paris will always be an option.
January 8, 2024
3⭐️
I received this book for free from the publishers as an ebook to review
I think this book has a a lot of good little nuggets of information in it. It’s aimed towards teenagers/college aged girls to GR them to understand money and finances and tbh I probably could’ve benefited from it at that age.
However, it’s written to that audience and some of the writing choices are kind of cringe, and I think a younger audience would agree. Lots of weird attempts at slay and references to tiktok, use of hashtags in the middle of sentences, etc. It’s giving “how do you do fellow children”
I received this book for free from the publishers as an ebook to review
I think this book has a a lot of good little nuggets of information in it. It’s aimed towards teenagers/college aged girls to GR them to understand money and finances and tbh I probably could’ve benefited from it at that age.
However, it’s written to that audience and some of the writing choices are kind of cringe, and I think a younger audience would agree. Lots of weird attempts at slay and references to tiktok, use of hashtags in the middle of sentences, etc. It’s giving “how do you do fellow children”
February 19, 2023
Geared towards teen girls but fine for boys as well, my only complaint was it started with the marshmallow study as a metaphor and that study has recently been debunked due to the inability to replicate the results. Other than an unfortunately chosen metaphor for waiting to make purchases, the book has a great overview to the ins and outs of finances.
May 28, 2022
Thank you so much Macmillan for sending me an early copy of How To Money by Jean Chatzky! In How to Money, financial expert Jean Chatzky, Kathryn Tuggle, and their team at Her Money Media break down the basics of money- how to earn it, manage it, and use it! In this book, they will teach you things like how to create a budget and stick to it, getting your first job and what a paycheck is, how to navigate student loans and avoid student debt, get your first credit card, and what “credit” is, and why it’s important to as well as how to invest, as well as so much more! You may think money is just an adult problem, but learning how to manage it at an early age is so important and this book makes all the information you need so accessible! How To Money is out May 10 everywhere books are sold!
December 2, 2025
This book is more for beginners than for semi-responsible middle-agers. Some of what it tells you to do is obvious to many of us with enough life experience or inevitable that you would begin doing it eventually on your own. It does however accurately explain money concepts clearly and in a way that will help anyone that thinks they can do better and wants to try. The earlier you make these money changes, obvious, inevitable or otherwise, the greater the positive change to your life will be. I would recommend this book as a first read for those wanting to start learning about saving and investing vs. spending.
January 28, 2022
A relatable book about money, and all of the nuances that accompany it. The authors found a way to present their topic in a way that is readable, interesting, and just plain sensible. This is a feat in itself, given how many underlying emotions we all carry about money. I appreciated the honest facts about income inequality, and ways to take meaningful action.
The book has five sections: Earn It; Manage It; Use It; Get Schooled; Look to the Future.
This book is primarily geared toward young females. Though I’m above the age demographic, I jotted down quite a few notes while reading, and will absolutely return to the book as a resource.
Thank you NetGalley and Macmillan Children’s Publishing Group for access to the ARC.
The book has five sections: Earn It; Manage It; Use It; Get Schooled; Look to the Future.
This book is primarily geared toward young females. Though I’m above the age demographic, I jotted down quite a few notes while reading, and will absolutely return to the book as a resource.
Thank you NetGalley and Macmillan Children’s Publishing Group for access to the ARC.
January 8, 2023
This book is written in a way that is really easy to understand. It's aimed at teens (specifically young women), but I learned a lot from it and I'm 30 and non-binary. So it's definitely a book that can be applicable to anyone.
October 25, 2024
Great basic info. I didn’t really learn anything, but rather got confirmation that my family’s financial strategy for the past 22 years has been right on track. I highly recommend this for young people learning how to start financial planning and where to focus their savings and spending.
April 5, 2025
This is a great book for younger people who are just starting to learn about making money and the value of saving up. It’s perfect for middle schoolers and early high schoolers. Money motivated elementary school go getters would also enjoy this. There is something for everyone. Some info is for younger kids like the stuff about allowance negotiations and other things are for a more mature group like investing and 401ks. 4 stars
January 19, 2024
Being financially literate is IN for 2024🤭
February 5, 2024
Great first book about money for young adults. Wish I had this in my younger days.
December 18, 2024
I will probably get this for my kids. Good intro book. Geared towards 20 something’s and people getting their first jobs. I loved the investopedia suggestion, learned something new!
June 22, 2024
Bought this for a 17 year old and read it first. Swing a little younger than anticipated. Some parts better than others. Good primer. Great discussion of the power of compound interest.
November 15, 2022
Good book. I give two thumbs up :)
Nah but seriously, this obviously isn't a storybook with a plot and characters and stuff it's an informational book and it does its job. It gives information. It gave me a good outlook on various things that someone at my age should look into such as jobs, internships, college, and businesses. As well as things like credit, stocks, the economy, insurance, etc. It's a great book to read at a young age to get a good preview of the real world of finances and money. Which is a quite chaotic world I might add. although spoiler alert, it doesn't tell me how to do taxes, it says what taxes are and how they work, but not hot to do them, so I'm still in the dark in that area.
Nah but seriously, this obviously isn't a storybook with a plot and characters and stuff it's an informational book and it does its job. It gives information. It gave me a good outlook on various things that someone at my age should look into such as jobs, internships, college, and businesses. As well as things like credit, stocks, the economy, insurance, etc. It's a great book to read at a young age to get a good preview of the real world of finances and money. Which is a quite chaotic world I might add. although spoiler alert, it doesn't tell me how to do taxes, it says what taxes are and how they work, but not hot to do them, so I'm still in the dark in that area.
June 4, 2022
I definitely learned a lot from this book & I am so glad I read it! I recommend it for all ages not just young adults.
October 12, 2022
Target audience is high school women but EVERYONE could learn something reading this! I listened to the audio book and might buy myself a copy for reference. I wish it were gender neutral so I could give it to my future stepsons!
August 24, 2022
Great book for teens or anyone! Lays out financial info in a straightforward, relatable, and engaging way.
January 21, 2023
The kind of book I wish had been assigned reading in high school. Great!
October 9, 2023
Maybe good for high schoolers
June 8, 2024
I was frustrated by this book because I have three young girls and I will not recommend this book to them. The opportunity was there and there are a lot of valuable pieces of information in the book but it is peppered with terrible advice as well.
Chatzky lets her progressive ideologies get in the way of good, solid advice. For example, invest in companies you like, preferably social change companies or green companies. Invest in companies led by women. This would be fine if you preface it with do this with 1-5% of your investible assets and put the rest in low cost index funds but there is no such preface. This advise is the right way to lose a lot of your nest egg.
Another egregious issue (when communicating to young girls) is one of the stories says the girl grew up poor and her parents could never afford a home and she wished at a young age she was told she "deserved" a home. No one deserves their own home, you earn the money to purchase a home. Yes, she should have been told that if she works hard she can earn the money to purchase a home but to tell kids they deserve a nice car, a home, or any other material possessions is a bad lesson to teach.
She references the wage gap and recommends Kamala Harris to fix it. I appreciate the push to get young girls to negotiate their pay which certainly impacts the gap. But Chatzky's chapter on negotiating is absolutely terrible. It amounts to get them to say the amount first then say "I was hoping for..." say an amount 10% higher. Don't say you were hoping for an arbitrary amount when it wasn't true, employers have done their market research and they may be able to see through the fib. Instead, do your market research know what the position makes and you can add 10% to that by communicating why you bring value and solutions to the company but be honest about it.
It's not until the very end when she really has some good in the book. Keep a gratitude journal and figure out what makes you happy and what you are thankful for, eat healthy and exercise so that you can enjoy the wealth you build.
I would add (modify) the investment to say play it simple, low cost index funds like Vanguard's total stock market index (VTSAX) should be where a vast majority of your assets go in your 20-30's then introduce bonds as you age to fit your risk profile. But most importantly, live below your means and invest as early as you can!
Chatzky lets her progressive ideologies get in the way of good, solid advice. For example, invest in companies you like, preferably social change companies or green companies. Invest in companies led by women. This would be fine if you preface it with do this with 1-5% of your investible assets and put the rest in low cost index funds but there is no such preface. This advise is the right way to lose a lot of your nest egg.
Another egregious issue (when communicating to young girls) is one of the stories says the girl grew up poor and her parents could never afford a home and she wished at a young age she was told she "deserved" a home. No one deserves their own home, you earn the money to purchase a home. Yes, she should have been told that if she works hard she can earn the money to purchase a home but to tell kids they deserve a nice car, a home, or any other material possessions is a bad lesson to teach.
She references the wage gap and recommends Kamala Harris to fix it. I appreciate the push to get young girls to negotiate their pay which certainly impacts the gap. But Chatzky's chapter on negotiating is absolutely terrible. It amounts to get them to say the amount first then say "I was hoping for..." say an amount 10% higher. Don't say you were hoping for an arbitrary amount when it wasn't true, employers have done their market research and they may be able to see through the fib. Instead, do your market research know what the position makes and you can add 10% to that by communicating why you bring value and solutions to the company but be honest about it.
It's not until the very end when she really has some good in the book. Keep a gratitude journal and figure out what makes you happy and what you are thankful for, eat healthy and exercise so that you can enjoy the wealth you build.
I would add (modify) the investment to say play it simple, low cost index funds like Vanguard's total stock market index (VTSAX) should be where a vast majority of your assets go in your 20-30's then introduce bonds as you age to fit your risk profile. But most importantly, live below your means and invest as early as you can!
August 14, 2023
Although handling money can be tricky, this book makes it easy. What is one of the biggest mistakes in the money world? Is it overspending on your credit card and getting a bad credit score? Maybe it's being too risky with your money? Whatever it is, this is one of the many issues How to Money by Jean Chatzky and her team review. Chatzky’s use of rhetorical questions throughout the book helps her make a point and also gets the reader thinking. A perfect example of this is at the very start of the book when she asks the reader “What do you want from your life?” (1). After she gets the reader thinking, she then further explains that the only two things stopping you are time and money. First, she got the reader to contemplate with a question, and then she made her point. The key takeaways at the end of each chapter are also great. Readers can get a good recap of what they learned with a couple of bullet points. At the end of chapter 7, Chatzky sums it up with five bullet points about credit, and what the reader should have taken out of that chapter. One bullet point says, “Credit and debit cards may look alike, but they work totally differently. When you use credit, you’re bowering money. When you use debit, you’re spending your own” (Chatzky 111). This was a big topic that was talked about in chapter seven but Chatzky summed it up in three small sentences. How to Money also uses a lot of little drawings, pros and cons lists, fun facts, and graphs that make the book fun and easy to comprehend! Thus, when talking about needs versus wants and how to distribute your money properly, Chatzky uses a graph: 50% needs, 30% wants, 15% saving, and 5% flexibility. This is great for visual learners that enjoy visible guides. With that being said, anyone who wants to learn more about the basics of finance can enjoy this book, but it's recommended for teen girls!
This entire review has been hidden because of spoilers.
June 17, 2022
How To Money is a must-have guide for every parent who wants to teach their children about money and for teens who want to learn about money on their own.
This book teaches:
creating a budget and sticking to it
Scoring that first job and what the paychecks mean
Navigating student loans and avoiding student debt
Getting that first credit card and what credit is
Investing like a pro and why it’s important
All so you can earn more, save smart, invest wisely, borrow only when you have to, and enjoy everything you’ve got!
Wonderful advice from an interview with Ilhan Omar, a US Congressional Representative for Minnesota: “refuse to give oxygen to people who don’t have your best interests at heart”.
This piece of advice doesn't have anything to do with the subject of money but of self-care, which I struggle with. I've always found it difficult to put myself first, so it's great that teens reading this book will hear the advice early on in their lives.
A must have money information guide that covers everything from how to correctly fill out a check and deposit slip to saving for retirement and the important reminder to take care of yourself and your health. I will be purchasing this book for the high school library, 5 stars!
This book teaches:
creating a budget and sticking to it
Scoring that first job and what the paychecks mean
Navigating student loans and avoiding student debt
Getting that first credit card and what credit is
Investing like a pro and why it’s important
All so you can earn more, save smart, invest wisely, borrow only when you have to, and enjoy everything you’ve got!
Wonderful advice from an interview with Ilhan Omar, a US Congressional Representative for Minnesota: “refuse to give oxygen to people who don’t have your best interests at heart”.
This piece of advice doesn't have anything to do with the subject of money but of self-care, which I struggle with. I've always found it difficult to put myself first, so it's great that teens reading this book will hear the advice early on in their lives.
A must have money information guide that covers everything from how to correctly fill out a check and deposit slip to saving for retirement and the important reminder to take care of yourself and your health. I will be purchasing this book for the high school library, 5 stars!
April 21, 2023
Okay so I actually finished this awhile ago. And I learned so much!
It's definitely geared towards high schoolers (there's a section about asking for an allowance and your first job). However, as someone who has their very first "big girl" job, this was so informative in a fun and accessible way. I think of it as a stepping stone book, not the sole book upon which to base my financial decisions. But I took copious notes and enjoyed the tips they have, and I did the exercises they mention (like budgeting and goal setting) which really helped set the ball rolling on my financial decisions and framing. As someone who has never saved before (or had money to save), and didn't know how to really use or understand a bank account, this was super helpful. If you do not have an income or not much of an income, the book wouldn't be as great of an asset as some of the budgeting info is more for someone who has finances and goals to attain, and the tips would be more theoretical.
As a side note, I learned so much about banks and it helped me understand what happened with the SVB collapse last month, so that was cool.
Highly recommend this as a "baby's first budgeting book" to start you off!
It's definitely geared towards high schoolers (there's a section about asking for an allowance and your first job). However, as someone who has their very first "big girl" job, this was so informative in a fun and accessible way. I think of it as a stepping stone book, not the sole book upon which to base my financial decisions. But I took copious notes and enjoyed the tips they have, and I did the exercises they mention (like budgeting and goal setting) which really helped set the ball rolling on my financial decisions and framing. As someone who has never saved before (or had money to save), and didn't know how to really use or understand a bank account, this was super helpful. If you do not have an income or not much of an income, the book wouldn't be as great of an asset as some of the budgeting info is more for someone who has finances and goals to attain, and the tips would be more theoretical.
As a side note, I learned so much about banks and it helped me understand what happened with the SVB collapse last month, so that was cool.
Highly recommend this as a "baby's first budgeting book" to start you off!
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