Personal Finance Resources And Content That Saved My Financial Life
One thing I wish I had when I first started to correct the course of my own financial journey was a personal finance resources and recommendations guide. Not something to deliver me a golden formula of answers to wealth and financial freedom. Something to help shift my mindset as a personal finance beginner and get me thinking about money in a more efficient manner.
A collection of content and tools that could help build a foundation of knowledge. That foundation could then be molded and crafted to best fit my own lifestyle and system.
One thing to remember is…
Personal finances are indeed personal.
There is no one size fits all solution but there are some guiding principles we can all leverage to avoid mistakes and build wealth.
As I’ve alluded to before, I made some Stupid Money Mistakes in my late teens and early 20’s that hindered my road to the starting point of pursuing financial independence. I was over-spending, accruing bad debt and saving for retirement incorrectly. The worst part was I didn’t see how big of a long-term problem I was slowly building…
Luckily I had an aha moment and stumbled onto some personal finance blogs, podcasts and books. I quickly learned it’s never too late to make some small money wins and get on the right path fast.
Small wins that build momentum and begin to compound into something much bigger.
I’ve packaged up these influential personal finance tools into what I am calling the Personal Finance Resource Starter Kit. All of these resources have helped me build that money momentum.
So What Does This Free Personal Finance Resource Starter Kit Include?
These resources together or on their own can help you take control of your money and life. Arming yourself with the knowledge and tools to build that financial understanding is essential as a personal finance beginner. However, continuing to build that knowledge as you progress your money journey is a must.
These resources can support you at any stage of that journey. Featured in the Starter Kit are:
- 15 Personal Finance, Investing, Entrepreneurship & Mindset Books
- 29 Personal Finance Tools, Services & Apps
- 15 Personal Finance Cornerstone Pieces of Content
- 15 Personal Finance & Money Podcasts
- 35 Personal Finance, Early Retirement & Investing Blogs
Without being too dramatic, these personal finance resources and content saved my financial life. These were key factors that helped right my money mindset at the beginning of my financial journey. And they continue to deliver value to this day that grows ten-fold.
You can download the full free Starter Kit by clicking the image below.
In this post I will share some of the most influential and beneficial resources from each section of the Kit.
Personal Finance Books
Each of these books helped me change my view on money and it’s role in my life. From budgeting to saving and the power of low-cost index fund investing, these books deliver value and actionable advice.
They were the jumping off point to the path I am on today
Your Money or Your Life: 9 Steps To Transforming Your Relationship With Money and Achieving Financial Independence: Fully Revised and Updated[by Vicki Robin & Joe Dominguez]
Your Money or Your Life is a stalwart of the personal finance community. Originally released in 1992 and it has since been updated in 2018 to better fit the modern world of money. Whether you’re just beginning your financial life or heading towards retirement, this book will show you how to:
- Get out of debt and develop savings
- Save money through mindfulness and good habits, rather than strict budgeting
- Declutter your life and live well for less
- Invest your savings and begin creating wealth
- Save the planet while saving money
The Simple Path To Wealth: Your Road Map To Financial Independence and a Rich, Free Life [by JL Collins]
While it might not get as tactical as other books on managing a budget or lifestyle optimization, The Simple Path To Wealth focuses more so on saving, investing and financial freedom. And it’s so good.
The “simple” description in the title holds true as the book is straightforward, easy to understand and rooted in building a foundation for success.
Millionaire Teacher shows you how to achieve financial independence through smart investing — without being a financial wizard. Author Andrew Hallam was a high school English teacher. He became a debt-free millionaire by following a few simple rules.
In this book, he teaches you the financial fundamentals you need to follow in his tracks. You can spend just an hour per year on your investments, never think about the stock market’s direction — and still beat most professional investors.
Personal Finance Tools, Services & Apps
In this digital age there are dozens of personal finance resources to help you better manage your money.
The free Resource Kit has 29 different personal finance tools, services and apps to help you budget, save, invest, earn more money and build rewards.
Below are three for those at the start of their financial journey looking to track their finances and perhaps start investing with a robo-advisor while you accrue more knowledge on DIY investing. For DIY investing, in Canada we have discount brokerages such as Questrade. While in the States, you can invest directly through Vanguard or a platform like Ally.
I wrote up a recommendations page on some of the top free personal finance tool, services and apps.
Mint – Free Money Management & Tracking
Tracking your money is an essential step to taking better control of your financial journey. I’ve used Mint for almost 3 years and sync all of my financial accounts so that I have optics on everything in one place. It helped me better understand where all on my money was going and how much I was spending.
Mint is a great tool to support with budgeting, bill payments, overspending, credit score tracking, goal setting and more. Free, easy to use and accessible by web and mobile app, Mint is a great tool for those looking to track, budget and manage their finances.
Personal Capital – Free Tracking With A Bit More Investing Support
As a Canadian I don’t have access to Personal Capital, which is a shame. However, I have used the FREE platform and seen countless of respected members of the financial community recommend it enough to know just how good it is.
Personal Capital is free and features all of the budgeting and tracking features of Mint but with more robust investment analysis tools. I’ve learned a ton from reviewing other bloggers and financial experts showcase their budgets and money systems on Personal Capital.
Wealthsimple – Robo-Advisor Investing To Get Started
I used Wealthsimple for a year and had nothing but positive experiences. It was the perfect solution for me while I took time to learn more about DIY ETF investing while continuing to build the great habit of automated saving. Wealthsimple remains and continues to grow as one of the largest and most preferred robo-advisors for investors looking to take a more hands-off approach.
An amazing user-experience and intuitive platform, quick set-up process, $0 account minimums, unlimited transactions and strong customer service make Wealthsimple a great choice. Wealthsimple offers 3 portfolios based on your risk tolerance (conservative, balanced and growth) plus takes care of rebalancing your portfolio and dividend reinvestments.
Cornerstone Personal Finance Content
The Resource Kit includes 15 pieces of cornerstone content. These represent blog posts and podcast episodes that helped reset my financial journey in the biggest way.
I’ve included 3 of these personal finance content stalwarts below, each with an accompanying blog post and podcast episode.
The 10 Pillars of FI from Choose FI
This Cornerstone piece of content is from Jonathan and Brad at Choose FI. The pillars they outline represent the essential steps to financial freedom and helped me get a holistic view on managing my money more effectively and efficiently.
They created a great blog post and podcast episode that outline these 10 Pillars of FI.
The Stock Series from JL Collins
This Cornerstone piece of content is from JL Collins, the author of The Simple Path To Wealth noted above. The framework for that book was aided by the blog posts he wrote on his site called The Stock Series.
This series is an amazing read to understand the stock market, investing, low-cost index funds and wealth building. He did a great 3-part interview on Choose FI as well.
Career Growth & Hacking from ESI Money
This Cornerstone piece of content is from ESI Money. Often overlooked on your financial journey is the true wealth building lever your career can be and the opportunity for financial freedom it can deliver.
ESI Money has written about that in a collection of great posts on his blog. One that really reigned true to me is linked below along with a podcast episode about Career Hacking.
I had the pleasure of interviewing ESI Money as part of my Momentum Series. Check out his interview where he discusses his financial journey, career tips, real estate investing, 13+ years of blogging and more.
Personal Finance Podcasts
If you’ve read my blog before you might know I love podcasts. I listen a lot of them, check out this post featuring 30+ of the Best Personal Finance, Money and Investing Podcasts.
I’ve profiled 15 personal finance podcasts in the Resource Kit but below are 3 pillar podcasts. These podcasts have each in their own individual way delivered me extensive value and benefits.
Choose FI Podcast
As you can tell from the content noted above, I am a big fan of Choose FI. And that’s for good reason.
The Choose FI Podcast is the quintessential financial independence podcast. They focus on delivering practical value, actionable advice and motivation to help individuals take control of their money and pursue that freedom.
The library is chalked full of great episodes, start from #1 and work the whole way through.
Millenial Money Minutes
Millennial Money Minutes is hosted by two great personal finance bloggers: Grant (Millennial Money) and Matt (Distilled Dollar). It’s short-form, quick-hitting content that covers one specific financial topic each episode.
There are 275+ episodes that run the gamut of all things money and Grant and Matt discuss these financial matters in a personable, relatable way.
The Side Hustle Show
Nick Loper hosts the weekly Side Hustle Show that is all about generating additional revenue streams through entrepreneurial efforts.
This podcast really helped open my eyes to the endless opportunities there are to make more money from your hobbies, skills and/or hustles. 280+ episodes and counting with great guests, advice and strategies to push your earnings outside just the 9-to-5 career.
Personal Finance Blogs
The Resource Kit includes recommendations on 35 total blogs. These bloggers cover personal finance, financial independence, investing and much more. I’ve also included Canadian recommendations for my fellow Canucks.
I’ve noted 3 of my favourite personal finance bloggers below. Each of these bloggers create amazing articles and have an extensive archive to help readers at any stage of their financial journey. From personal finance content for beginners to higher-level thinking, all 3 of these bloggers are delivering the goods.
Get Rich Slowly
JD Roth at Get Rich Slowly has an archive of personal finance content dating back to 2006. Every topic imaginable has been covered, from the basics to the more focused financial independence specialties.
You can use the search function on his website to source any question you might have to help your own financial situation.
Making Sense Of Cents
Michelle at Making Sense of Cents brings an all-encompassing lifestyle approach to her personal finance blog. She generated upwards of $150,000 monthly (yes, monthly) from the blog.
The topics discussed align with everyday financial decisions we’re all pondering. The tips, recommendations and stories are easy to digest and connect to your own life as you look to better your money mindset.
Grant (host of the Millennial Money Minutes podcast mentioned above) is the blogger behind the very successful Millennial Money.
His blog brings relevant content targeted for millennials to the forefront of his writing. From investing and real estate to side hustles and basic money management, he covers it all.
Knowledge is power.
And when it comes to taking control of your personal finances, knowledge is essential. From budgeting and saving to earning more and investing, building that foundation of knowledge will help you ensure you can best navigate your own financial journey.
Again, personal finance is personal. There are 100’s of books, podcasts, blogs and apps that can help you better manage your money. It’s all about finding the right fit and what best works with your own financial journey.
The personal finance resources and content mentioned here were perfect for me when I was just beginning to make corrections to my own situation. However, all of the tools, services and content included in the Personal Finance Resource Starter Kit still continue to deliver me countless value to this day.
Which resources helped you at the start of your personal finance journey? Let me know in the comments below.
What are the most influential resources that continue to deliver you value to this day? If there are any specific blogs, podcasts, apps or service, send them along in the comments.
Here are some other posts to help you take control of your money and life:
- 15 Smart Money Moves You Can (Easily) Make This Month
- Calculate Your Net Worth – Why Do It And How To Track It For Free
- The Personal Finance Resources And Content That Saved My Life
- 6 Tips To Help Create Accountability With Your Personal Finances
- 35+ Rewarding Side Hustles Anyone Can Do To Earn More Money
- 55 Great Online Udemy Courses For Millennials, Entrepreneurs And Side Hustlers
- Waking Up At 5AM Changed My Life – Win The Morning, Win The Day
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