Have you ever started reading a personal finance book, only to discover that in order to follow the author’s advice and end up wealthy, you must first have seed money, a thing you definitely don’t have?

Finance for the People starts from the possibility that your’re starting from a position of having little to no spare cash - whether you’re a young adult just starting out or you’ve been scraping along for years. It contains solid advice, including how to figure how much you need to earn in order to meet your financial obligations (so you can ask for the right amount of pay) and how to reduce debt over time.

This is one book I buy physical copies of - for lending to others or placing in a Free Library. You can also check your local public library for a copy.