It’s Women’s History Month and as a self-proclaimed money nerd, I can’t help but think about all the financial accomplishments women have made over the years. Along with the laws and legislations that have been passed to provide more financial freedom and rights. For example, the Equal Credit Opportunity Act of 1974 was groundbreaking as it granted women the right to obtain credit cards in their own name without a male cosigner. Women’s history month is the perfect time to pick up personal finance books for women.

According to a study, women live paycheck to paycheck roughly five times more than men. I don’t believe this is because women are ‘worse’ at managing money. There are many different factors that contribute to women and the state of their finances, and many popular authors have written about these topics to help spread financial literacy. We can all learn so much from a good book and it doesn’t require much money at all. Below are 5 of the best personal finance books for women and why they are worth a read this year.

1. When She Makes More

When She Makes More: 10 Rules For Breadwinning Women was written by Farnoosh Torabi, a personal finance expert that I’ve always admired. Like Farnoosh, I too have been the breadwinner for most of my relationship. It can be challenging to figure out how to navigate that. My husband and I don’t confine ourselves to specific gender roles, but societal gender roles still come into play a lot.


Still women are earning more than they ever have these days, and it’s about time we talked about it. When She Makes More provides realistic examples and ideas to help you manage money successfully with your partner.

I like that this book consists of a mix of Farnoosh’s own personal experiences, experiences of other breadwinning women, and cold-hard research. She was able to team up with a financial psychologist and certified financial planner to interview over 1,000 heterosexual women in committed relationships.

As predicted, money and differences in income can lead to resentment in marriage along with other issues. It was also interesting to find out from this research that women who earn more often handle the bulk of the financial management activities in the household like budgeting and savings for retirement. However, more than 80% of women interviewed who earn more wish their partner would take a more active role in planning and managing the finances.

I’d recommend checking out this book if you want to learn more about the 10 rules breadwinning women can live by to try to make relationships and life work.

2. Clever Girl Finance

Clever Girl Finance is another one of the best personal finance books for women to consider. The book is actually named after the popular blog, Clever Girl Finance, created by Bola Sokunbi. This book is an essential guide to financial wellness for women of all ages. Bola discusses how to monitor your expenses, make a budget, and stick to it so you can pay off debt faster.

Having debt is not a situation specific to women only, but it’s also no secret that females hold nearly two-thirds of the nation’s $1.6 trillion debt total. I also like how Bola shares real ways to make the most of your salary even if it’s not a lot. The gender wage gap has been an ongoing struggle in this country for many years. I think by equipping more women with financial literacy and calling out the disparaging systems that seek to pay women less in general, we can start to take steps forward in this area.

If you’re looking to hear other personal stories from women who have improved their money management skills, Bola includes many stories from ‘clever girls’ in this book along with tips to help you build a nest egg and secure your financial future.

3. Smart Women Finish Rich

Smart Women Finish Rich is written by David Back who also wrote The Automatic Millionaire. I enjoed The Automatic Millionaire becuase it shows you how to put your saving and investing efforts on autopilot to become rich one day with very little activity on your part.

This book also introduced the popular ‘latte factor’ – a concept that suggests those small daily purchases, like lattes for example, can really add up (especially when you decide to invest that money instead). Smart Women Finish Rich outlines 9 steps to achieving financial security and funding your dreams. This book is a great read for women of all ages and backgrounds – especially if you are interested in planning for your financial future.

David Bach discusses some important things you can do now to set yourself up for a more prosperous financial future. Bach brings up an interesting argument. Women need to do more financial planning than men. I actually agree with this. As women, we tend to live longer. More women are working these days. Women still earn around 25% less than men, and marriage is not a financial plan. It’s unfortunate, but nearly half of all marriages in the U.S. don’t last.


This isn’t to say you should go into your marriage with the goal of separating. However, even being married, I still believe that it’s important for women to know what’s going on with their money. Plus have a solid financial plan. This book can help you do this without even going through the trouble of hiring a financial planner.

4. Secrets of Six Figure Women

Secrets of Six-Figure Women by Barbara Stanny is a great book to read. If you’re looking to join the growing number of female six-figure earners in this country this book is for you. This book uses real stories and examples to outline seven key strategies of female high earners. This book provides some great insight into six-figure traits. Especially if you feel like you are stuck at a job where your income is capped or the role is no longer serving your purpose.

I’m all for side hustling and earning more. Oftentimes, I struggle with determining my true worth and asking for more money. Barbara Stanny has interviewed women with salaries from $100,000 to $7 million in order to come up with the contents of this book.

5. Real Money Answers For Every Woman

This list of best personal finance books for women would not be complete without this gem written by Patrice Washington. Patrice is an award-winning author, and media personality who you may have seen on the Steve Harvey show in the past. Her book titled, Real Money Answers For Every Woman, is geared toward both single and married women.

You’ll read about Patrice’s personal experiences with managing money and overspending in the past. This is a great book to read if you’re looking for practical ways to overcome bad money habits.

I also like the Q and A format that is easy to follow along with detailed discussion on popular financial topics like building credit, buying a home, and negotating your salary.

Summary: 5 Best Personal Finance Books For Women

In light of a month that celebrates the strength, hard work, and accomplishments of women. I think it’s important to also point out that women don’t have to trail behind when it comes to money either. These personal finance books for women are just a few options to consider. There are many more resources and books to consider as you improve your finances.

What are your favorite personal finance books?

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