If you’ve been following my book summaries, you know I’ve spent years reading and distilling the best personal finance books out there—from classics to modern masterpieces like:
- Rich Dad Poor Dad by Robert Kiyosaki
- The Millionaire Next Door by Thomas J. Stanley & William D. Danko
- Money: Master the Game by Tony Robbins
- I Will Teach You to Be Rich by Ramit Sethi
- The Psychology of Money by Morgan Housel
After reading dozens of these books and implementing their strategies in my own life, I’ve discovered something important: most personal finance advice is solid, but the real challenge isn’t knowing what to do—it’s actually doing it consistently.
Through coaching others on gaining clarity and control over their finances, I’ve seen firsthand which principles create real transformation and which ones sound good but don’t work in practice. I’ve also learned that the small financial decisions we make (or don’t make) in our 20s compound into massive differences down the road.
Looking back at my own journey, I realize there are core truths that—if I’d truly understood and applied them earlier—would have accelerated my financial success by years. These aren’t obscure secrets or complex strategies. They’re foundational principles that the best financial minds agree on, but that most of us learn the hard way.
Here are the 10 personal finance truths I wish someone had clearly explained to me when I was starting out—and more importantly, what you can do about them right now.
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