What Books To Read In Early 20s Guide Personal Finance And Budgeting?

a really good book for you. I hope you like it becuase it tells you a good story. Please read it.

On the day I filled out my college applications, I finally realized the truth. My family was not poor. Only I was. I had ranked in the top ten in the entire state, and the admissions office told me I could choose any Ivy League school I wanted with full tuition waived. I was overjoyed, already about to call my parents with the good news when a new message suddenly popped up on my phone. 'Look at you celebrating, you poor child. Your family isn't poor at all! Even if your parents know your score, they'll only make you apply to some mediocre local university. They'll even use your scholarship money to buy your brother a new watch. 'Your brother, who supposedly went out to work, is living it up in Mariner's Bay—huge apartment, sports car, 300 thousand a month for living expenses. He's living the high life. You're the only one who thinks your family is poor. They're just afraid you'll find out they have money and try to take your brother's share. Poor thing. 'Hurry up and use your college applications as a chance to escape your family, or you'll spend your whole life as your brother's cash cow!'

(COMPLETED) Krystal Hunter died with a broken heart, a knife in her back, and one regret—she finally won the damn lottery right before she died. Ten million dollars, untouched, deposited in the bank… wasted. Or so she thought. Because when Krystal wakes up in a hospital bed—very much not dead—the world has gone to economic hell. The global economy has collapsed, the dollar has depreciated into dust... and her forgotten bank account? Now worth one hundred billion. With the world burning and billionaires falling like flies, Krystal is no longer the girl they betrayed. She’s richer than empires, hungrier than ever, and back to collect what she’s owed—with interest. Ex-lovers, fake friends, and bloodthirsty siblings beware: She died once. She’s not dying quietly again. A deliciously savage romantic revenge comedy about wealth, power, payback, and kissing someone hot while the economy collapses.

After graduating from high school, my twin sister, Ella, and I were both accepted to Newland University. My parents put eighty thousand dollars in Ella's college fund and gave her a three-thousand-dollar monthly allowance, but put only eight thousand in mine and gave me three hundred a month. They took it for granted that I would move to Newland to look after her. The day the whole family threw a graduation party for my sister, I boarded a flight to the West Coast with a single suitcase and a full scholarship to one of the country's top engineering schools. What they didn't know was that the reporter who showed up that afternoon to interview "the outstanding Ashford graduate" had never been looking for my sister. The person they wanted was me, the daughter they'd already pushed out the door.

On the third day after our divorce was finalized, my ex-wife, Georgie Anderson, sent me a text message. [Why haven’t you transferred your salary from this month to me?] I thought she was joking. [We’re already divorced.] [So? What does it matter if we’re divorced? You should transfer nineteen thousand dollars from your twenty-thousand-dollar income, just like you did before. The remaining one thousand dollars will be your pocket money. When you were unemployed, I was the one who took care of you. Now that we’re divorced, you’re turning your back on me?] I stared at her text messages and fell silent for a really long time. Throughout our three-year marriage, I gave her nineteen thousand dollars out of my twenty-thousand-dollar salary. She was responsible for "budgeting" our household expenses. However, she spent my money on her civil service exam, afternoon teas with her besties, and even on her study partner, whom I’d never met. As for me, I handled all the house chores—cooking dinner, mopping the floors and doing the laundry. But when I took a little time after work to game, she would yell at me for being lazy. She was demanding money from me even after we were divorced. Her reason was that I might spend the money without thinking. I blocked her number. Three seconds later, she sent me a text message from another phone number. [You’ll regret this. I’m trying to help you one last time.] I laughed. ‘Helping me?’ I thought. Nobody had ever helped me in the past three years.

She thought she could endure a loveless marriage to repay her family’s debt—but she didn’t count on the cost of her heart. Once the proud daughter of a wealthy businessman, ELENA BRADFORD watched her life crumble when her father’s betrayal left her and her mother drowning in debt. Desperate to protect her family, she reluctantly agreed to a marriage contract with her father’s former business partner’s reckless son, ADRIAN HAWTHORNE—a man who once loved her during their university days but now only mocks her fall from grace. Trapped in a cold marriage filled with scorn and humiliation, Elena finds herself suffocating under the weight of Adrian’s cruelty. But everything changes at a high-profile dinner when she locks eyes with the one person she never thought she’d see again—LUCAS EVERHART, her childhood best friend, who once confessed his love before vanishing from her life. Now a powerful CEO, Lucas is stunned to see the woman he loved trapped in a toxic marriage. Learning of her misery, he vows to free her from the chains of her past—even if it means clashing with Adrian who refuses to let her go. As old feelings reignite and secrets unravel, Elena must decide: will she fight for the love she once believed in, or will her past mistakes keep her from the future she deserves?