It's I Will Teach You To Be Rich by Ramit Sethi.
Here's what I like about it:
- It's actionable. He doesn't just give concepts, he tells you exactly what to do. At the end of each chapter, he gives you action steps. For example, in the investing chapter (page 90 of my edition) he has you (1) Open your 401(k) (three hours), (2) Come up with a plan to pay off your debt (three hours), and (3) Open a Roth IRA and set up automatic payment (one hour). Of course he gives guidance for each of these steps.
- It's funny. It's honestly a pretty good read. Under the subheading "If You Pick a Crappy Car, You Are a Moron," section (page 245) it says, "Please, pick a good car. There are some cars that are just objectively bad decisions that nobody should ever buy. For example, has anyone with an IQ over 42 ever consciously chosen to buy a Chevy Lumina?"
- It's good for lazy people. Let's face it, that's all of us. He shows how to automate your personal finances so your laziness will work with you and not against you.
- It's real. He has a focus on knowing your spending habits and figuring out what's important to you and what isn't. It's not about being a Scrooge in every aspect of your life.
Honestly, (and this means a lot coming from me because I HATE accumulating stuff), I would probably buy this one rather than check it out from the library, because it's a good reference to have on hand. Or, you could always check it out from the library and see how you like it before you buy it, or just check it out and then take notes. Up to you!