The summer cool down is one of the perfect times of the year to download that book you've been wanting to read--just in time for fall. Especially when it comes to our finances. And, with the seemingly never-ending highs and lows on the impact of our normal routines--and budgets--in addition to so many other things, there's never been a better time than now to learn something new.
The good news is, there are numerous books out there for every stage of life and for every money goal, whether deciding to retire early, having those tough conversations with family about money, building generational wealth, or simply taking that leap in choosing to see money from a different point-of-view. But which truly speak to us?
According to Dr. Nicole Garner Scott, the exclusive xoTribe membership app's resident Money Coach, Black women may be bearing the brunt of this recession with our employment numbers dropping by 11 percent. But we refuse to allow this to affect our long-term goals--we can only pivot them, and continue, as she always lovingly says, "to put more intention behind the life cycle of our dollars."
So, here's a curated list of personal finance books you should add to your bookshelf ASAP: some personal faves and some highly-acclaimed. Happy reading!
*Some of the links below are affiliate links. If you make a purchase through our links, xoNecole may earn a small commission.
The Financial Diet: A Total Beginner's Guide to Getting Good with Money
The Financial Diet
The Financial Diet is the personal finance book for people who don't care about personal finance. Whether you're in need of an overspending detox, buried under student debt, or just trying to figure out how to live on an entry-level salary, The Financial Diet gives you tools to make a budget, understand investments, and deal with your credit. It's about everything―from the clothes you put in your closet, to your financial relationship habits, to the food you put in your kitchen (instead of ordering out again).
The One Week Budget: Learn to Create Your Money Management System in 7 Days or Less!
Amazon
In this book, The Budgetnista herself teaches you what took her years to learn. The One Week Budget is for anyone that wants to manage their day-to-day money without the day-to-day hassle. Does this sound like you? What are you waiting for? Read the book already!
Women & Money: Owning the Power to Control Your Destiny
Amazon
At the center of this fully revised and updated edition, Suze presents an all-new Financial Empowerment Plan, designed to get you to a place of emotional and financial security as quickly as possible—because the most precious commodity women have is time.
The Money Manual: A Practical Money Guide to Help You Succeed on Your Financial Journey
Amazon
All you need is information designed for you that empowers you to take action. An Amazon Best Seller, The Money Manual was designed to help you cut through the clutter that often leads to feeling overwhelmed and anxious. It's time you move from financially insecure to secure.
You Are a Badass at Making Money: Master the Mindset of Wealth
Amazon
You Are a Badass at Making Money will launch you past the fears and stumbling blocks that have kept financial success beyond your reach. Drawing on her own transformation—over just a few years—from a woman living in a converted garage with tumbleweeds blowing through her bank account to a woman who travels the world in style, Jen Sincero channels the inimitable sass and practicality that made You Are a Badass an indomitable bestseller. She combines hilarious personal essays with bite-size, a-ha concepts that unlock earning potential and get real results.
The 10 Pillars of Wealth: Mind-Sets of the World's Richest People
Think like a multi-millionaire: leave the 9 to 5 behind. The world has led you to believe that financial freedom is not something you can willfully create in your life. You have been taught to view wealth as something that happens only to a lucky few who win a random business lottery or are blessed with unimaginable talent. The TRUTH is that creating excessive financial wealth does not come down to luck or talent. It comes down simply to your beliefs, understanding, and views--the ''pillars'' that reinforce your every action.
Smart Women Finish Rich
Amazon
Smart Women Finish Rich is one of the most popular financial books for women ever written. A perennial bestseller for over two decades, now Bach returns with a completely updated, expanded and revised edition, Smart Women Finish Rich, to address the new financial concerns and opportunities for today's women.
Have you joined our xoTribe? Join today for weekly substantial conversations from like-minded women seeking a fulfilling financial journey.
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Well, the next time we met up, she told me she had met someone and was moving to Houston to live with him. Imagine my surprise and concern. Later, I’d find out that this decision, like so many other elements of their relationship, flowed naturally and organically. Their whole partnership has been full of peace and vulnerability.
Fast forward to today’s conversation, they’re still living together, celebrating four years of marriage, and planning to create a family. And while this stage of their story sounds generally normal, the way they got there is nothing but. Check out the "How We Met" feature below to see how a couple who never spoke on the phone and lived in different states ended up in a loving marriage full of ease, art, and authenticity.
Photo courtesy of Amanda Wicks and Will Ford
Walk me through your ‘How We Met’ story.
Amanda: We met on Instagram (laughs). He followed me first, and I followed back because he does art, and I was intrigued by that. Honestly, we followed each other for a while before we connected. But I remember one day I saw a post where he had on a Martin t-shirt that I liked, and that sparked our conversation. He ended up telling me he made the shirt and actually mailed me one. So when I got it, I made a post wearing it, and that’s where the conversation started. Since that day we’ve communicated every day since.
Will: Yeah, I initially saw her on a short-hair Instagram page and followed her because I thought she was attractive. I actually showed her to my co-workers on one of our monthly outings as an example of my “type” – something I had never done. But one thing I will say is, I noticed she had on a Nina Simone shirt in one of her photos, that’s what got me. It showed she had more depth.
I guess that answers my next question. Did you have an initial attraction to each other?
Will: (Laughs) Yeah, I did.
Amanda: For me, no. I just wasn’t looking at him through that lens. I didn’t follow him because he was attractive. I don’t follow people online because of that. I actually remember a time when we were going back and forth, and I was like, “Aye, you kinda cute.” It was a specific moment. Once I started looking through his page more often, I started to view him that way, but it still was more of an acknowledgment. We really connected primarily because of our creative interests.
So, how did it go to the next level?
Amanda: I was in Nashville, and he was in Houston. But I’m somebody where if I feel like doing something, I’m going to do it. I had been meaning to go to Houston for a while to see a friend, so I felt like it was the perfect combination of a circumstance. We had been talking a lot, and I knew I liked him as a person and really wanted to meet him, but of course, I was aware of the idea that it could blossom into more. I remember I sent him a text saying, “Would you think I was crazy if I pulled up to Houston?”
Photo courtesy of Amanda Wicks and Will Ford
What was your reply? Did you think she was crazy?
Will: In my mind, I was like, I don’t know. (Laughs) I wanted her to, though, so I wasn’t going to say yeah. It was a little wild, but I encouraged it.
Okay, so tell me about the date.
Amanda: I don’t know if you’d call it our first “date,” but the first time we met, we went to a skating rink. I was a little nervous about meeting him in person. Like, what if we don’t have chemistry – that was in the back of my head a little. But I brought my friend with me as a buffer, and thank God I did because he was so quiet the whole night. I literally can’t think of one thing he said the entire time. But the saving grace was that we had built a rapport. We reconnected the following night and were together until 5 a.m. – just sitting there talking. We ended up spending the whole weekend together.
Will: I’m socially awkward if I don’t know you. Also, before the date, I didn’t know what she sounded like or anything because, that’s another thing, we hadn’t talked on the phone. (They both really don’t like phone calls, so everything was through texts at this point.) I guess I could say I was kinda nervous, too. I had never met someone through social media, and then here I was, meeting her in person at a skating rink. I hadn’t skated in years, I was hoping I didn’t fall. But we had just been talking so much that I was open to it.
What made you want to take that risk?
Will: She has a level of authenticity that I’ve never seen in any other woman before, and once I saw her, it solidified that. I knew I wanted her around.
Amanda: I don’t think it was anything specific. It’s not hard for me to connect with people. But there were no red flags. We align across the board. That was different. We really connect on how we see the world.
"She has a level of authenticity that I’ve never seen in any other woman before, and once I saw her, it solidified that. I knew I wanted her around."
Photo courtesy of Amanda Wicks and Will Ford
Out of curiosity, what are your love languages?
Amanda: I connect with all of them. I think it just depends on what I’ve been lacking. I appreciate words of affirmation because I’m so big on actions that I like those bold statements of love, and of course, I appreciate quality time. The older I get, the more I appreciate physical touch, but that’s not something I need. With receiving gifts, I like thoughtfulness, and I like giving thoughtful gifts, too. But acts of service is for sure my biggest one. I love when someone considers me and makes my life easier. That speaks to me most.
"I love when someone considers me and makes my life easier. That speaks to me most."
Will: I think it all depends on how I’m feeling, too. But probably also acts of service. I like how Amanda will buy me deodorant when I run out (laughs). She just does so much all the time to show that I’m thought of.
At what point in your connection did y’all have the “what are we” conversation?
Will: I don’t think we ever had that convo. We never defined anything, we just kinda went with how it was going. However, I knew I wanted it to be more serious when I went to visit her. She had been coming to Houston once a month, and I went to Florida (she was there for work) to see her. I realized I felt comfortable coming into her space, too. That gave me that last little bit of whatever I needed.
Amanda: Yeah, I can’t say I had a defined moment like that. But again, as we had more and more interactions, there were just no red flags. The more we thought about it, the more we realized no matter where we went relationship-wise, we were adamant about being a part of each other’s lives. We never had the “talking to other people” conversation or anything. But we did both understand we weren’t going anywhere. Eventually, it graduated to convos around building a life together, but even that was over six months in. I just liked him as a person.
Have there been any negative revelations that your partnership and marriage have taught you about yourself?
Amanda: I’ve always felt that partnership is supposed to make the other person’s life easier. For me, it was a struggle to let someone help me in all the ways I didn’t really know I needed help. As I started having less capacity, I had to realize that it doesn't work anymore. It was hard for me to acknowledge and ask for help. I think that’s something I am still coming to terms with, even with other relationships in my life.
Will: I think I’m learning and still learning how to get out of my head. I’m the kind of person who always has to visualize stuff before it happens. And this relationship is the first thing that I don’t do that with. Of course, we plan stuff, but I know it’s gonna be good regardless. It allows me to stay in the moment. If I can do that with this, which is the most important thing to me, why can’t I do that with other things?
Photo courtesy of Amanda Wicks and Will Ford
What challenges have you faced together?
Will: For me, the preconceived challenge was living together. I’ve never lived with a woman before. Even in my previous relationship, it was long-distance. I’m also the type of person that likes my space, but as soon as she got here, that was out the window. It was so smooth it made me feel stupid for questioning it.
Amanda: I’m grateful to say we don’t necessarily have challenges between each other together. But we have been struggling with infertility and health issues. Our biggest challenge thus far is trying to get pregnant. Even articulating that makes me realize I’m grateful it hasn’t caused a rift between us. I think we have been able to face it in a healthy way. But that’s an example of how having someone else there can be helpful. I was so functional as a full-blown individual doing everything by myself.
So, in my head, I don’t need anyone, but having someone there who is happy to support me has taught me it’s okay to welcome that. It’s made us stronger because it’s taught us how we both function under duress – it’s good to know it’s not terrible (laughs).
"Our biggest challenge thus far is trying to get pregnant. Even articulating that makes me realize I’m grateful it hasn’t caused a rift between us. I think we have been able to face it in a healthy way."
What are some of the shared values that are important to your relationship?
Will: How we see life, what we’re here for, and how you’re supposed to treat people. It sounds really simple, but it’s not as common as you think.
Amanda: We value being really good people – without strings. We both don’t value money, but we value stability. So we don’t have to endure the “why are you not hustling” arguments. We were both stable people individually, and we came together. Also, we both value meaningful connections, alone time, reflection, and family. That guides us in what we do and how we build a life.
Finally, what is your favorite thing about each other?
Amanda: I’ll say one of my favorite things about him is that he’s brilliant. I view myself as a smart person, but in my head, he can do what I’m doing ten times faster. There are times I want to push myself to do stuff, and I’ll just ask him because I know he can do it. It’s incredible.
Will: My favorite thing about her is how people see her. Being a witness to how important she is to other people’s lives is amazing. Standing to the side and seeing how she affects them is really special.
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Feature image courtesy of Amanda Hicks and Will Ford
And still, another reason is that it can sometimes make you very sexually self-consumed in a way that can make you a very impatient person when it comes time to bring true and authentic intimacy into a sexual dynamic — because let’s be honest: casual sex is way different than sex that you experience with someone who you’re in something serious with (or at least it should be).
When you’re sharing all of yourself with another person, you’ve got to be willing to not just “grade them on their performance;” you should be willing to allow them to learn you…as you commit to doing the same.
And that’s why I decided to ask 15 different women to share with me, what they did, as they transitioned from casual to something deeper, and figured out along the way that there was some “sex-related tweaking” that needed to be done. As they strived to keep their relationship flourishing, here’s how they helped their partners to thrive in the bedroom department.
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1. Angelia. 43. Married for 12 Years.
“Now that I’ve got some time under my belt, it’s important for women to know the difference between your man not being good in bed and you comparing him to people from your past — most women confuse the two. For the first couple of years, I didn’t realize that was my issue: I was comparing. It wasn’t intentional, but it was happening. I realized that it wasn’t that my man didn’t know how to please me so much as his approach was different from what I was used to with other guys. That part, was my stuff to deal with.
"Once I purged it, I was able to be clear with my husband about what my likes and dislikes are and then give him the space and respect to allow him to ‘customize’ his approach. Bottom line, great sex is about consistent communication. Be honest, with yourself and your partner. The more open you are, the better the sex will be — or become.”
2. Dinah. 32. Dating.
“A big problem that I used to have was thinking that if a man was good in bed, it meant that he could figure out what I needed without me having to say much of anything at all. That’s until I was talking about it with some of my girlfriends, and one of them said, ‘Girl, we’re not “one size fits all.” Every time a man gets with someone else, he has to learn something new. You’ve got to speak up. Closed mouths don’t get fed.’ I took what she said to heart and learned to speak up when there’s something I don’t like or something that I really like.
"For a while, I was uncomfortable because I’m kind of shy. But guys seem to like knowing what we want in bed — what I’m saying is, they like to hear it. So long as you’re not barking orders, they feel like it’s a form of dirty talk. Now that I know that, I’m very vocal; especially during foreplay.”
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3. Wrenna. 28. Engaged for 11 Months.
“My man is not the size that I’m typically used to. When we first started dating, I thought it was going to be a deal-breaker. Then I realized that you can be sexually pleased by a man who isn’t packin’. It’s all about learning about which positions work best based on his size. That’s what we’ve learned to master. Even if you put a pillow underneath you, he can ‘hit those spots’ when you’re in the missionary position that a pillow wasn’t needed for with bigger men. Being endowed doesn’t make a man good in bed anyway; working with you to get things where you need them to be does. My man rises to that occasion, in every way, every time.”
Shellie here: She’s right on the size thing. Check out “BDE: Please Let The 'It Needs To Be Huge' Myth Go” if you’re looking for even more confirmation.
4. Emily. 30. Married for Six Years.
“If your man isn’t the greatest at foreplay, do what I did and turn everything into a guessing game: guess where I like to be kissed, guess what my favorite spot is, guess what activity turns me on the most — then don’t tell me, show me. And if you’re right, I’ll reward you with a sex-related surprise. If you’re wrong, I get extra time ‘on the clock’ in those same spots. Men don’t have a problem with what they don’t know; men don’t want to feel emasculated or humiliated for not knowing it.”
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5. Gemma. 25. In a Relationship for a Year.
“To each their own, but I don’t like guys who bring porn into the bedroom. Even if they learn how to talk from it, I’m annoyed because it’s not about seducing me; it’s about how nasty their words can get. I hate phrases like ‘good girl’ — it creeps me out. My boyfriend used to talk that way until I shared with him that I prefer questions instead of statements in bed: ‘How can I please you tonight?’ or ‘Baby, how does this feel?’. It took some getting used to [for him] at first. Now he likes it a lot because the questions get me there, and my answers get him there.”
6. Paula. 38. Engaged for Four Months.
“My man is GREAT in bed. I couldn’t ask for more. Our problem is that he couldn’t always ‘read the room’ when it comes to when I’m in the mood or not. He’s a morning guy and I prefer sex at night; not late at night either…sometime between 7-9. He used to think that because he can always ‘get me there’ that whenever he was down, I would be. Or he would come to bed after my window and then be frustrated when I didn’t want to wake up at five.
"Basically, we had to get our bodies on a bit of a sex schedule. We try to average having sex no less than twice a week, and yes, we both need to compromise. BUT if he wants to get me at my best, that 7-9 window is when it’s gonna happen. Once I figured that out, we’ve been pretty smooth sailing. We bust headboards, then. He gets a quickie or some amazing head otherwise. I think we’re both good with that.”
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7. Tanisha. 41. Engaged for 18 Months.
“TELL MEN WHERE YOUR SPOTS ARE. Because even the most attentive man, someone who knows to not only focus on our breasts and vagina, is not always going to know what your specific zones are. Something that I discovered about myself is, as I got older, my spots changed. I used to love to have my breasts sucked — until I had kids. I used to hate having my feet touched — until a few years ago. It’s not fair to expect a man to automatically know what you’re still figuring it out. If you’ve got a good lover, he aims to please. Let him know how to ‘warm you up’ — and if those places switch up, who cares? We evolve sexually, just like we do everywhere else.”
8. Fredricka. 25. In an Exclusive Sex Situation.
“I stayed single until I could find a man who could eat the box properly. Why do these guys think that just being down there is doing something? The man I’m with now? When I saw that it had some real potential, I flat-out asked him if he was okay with me showing him how I liked to get head. He told me that so long as we could be each other’s instructors, he was down for anything. He had to humble himself, and so did I. Do people even talk about how much humility and sexual satisfaction go hand in hand? Yeah, interview me when you’re ready to break that down to everyone.”
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9. Orpah. 34. In a Relationship for Three Years.
“My problem used to be, not that my boyfriend was a ‘minute man’; it was actually that he could go a really long time the first round and then be tapped out for the second one. So, what we had to do was find ways to shorten the first time, so that he’d have enough energy for 2-3 more. I think guys don’t realize that even if they can last a while, it can still take us the first round to warm up a bit. So, now what we’ll sometimes do is foreplay, sex for a few minutes, he goes down on me, and then we’ll have more sex. The goal is to keep him excited without him actually cumming. It works like a charm.”
10. Marina. 29. Engaged for Two Months.
“Did y’all see that nasty ass post of Kevin Gates spitting into that girl’s mouth on stage? I literally almost threw up. My man used to think that spit was a thing. I mean, it was for some of his other sex partners, so he assumed that I would like it, too. I. DO. NOT. What we had to do was have some hard discussions about what he was ‘programmed’ to think was sexy vs. what actually is sexually appealing — at least for me. It took some ego finessing because men tend to be like, ‘I’ve never had complaints before…’ and you have to find a way to convey that it doesn’t matter if you’re not happy. There can be a fine line there. Speak to him the way you would want him to speak to you.”
Shellie here: If you didn’t see what she’s talking about, just to be thorough, it’s here. Enter at your own risk, though. I could barely stomach watching it once, my damn self. UGH.
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11. Lee. 30. Dating.
“I consider myself to be a tour guide. I have no problem moving a man’s hands to where I want them to be, using my mouth to explain to him where I want his mouth to go, or putting my own body in a position to get what I need from him. Too many women are afraid to hurt a man’s feelings in bed by showing some aggression. Hmph, let me tell you something: if there’s one place where a man loves that sh-t, it’s in the bedroom. I will forever die on that hill.”
12. Revelynn. 41. In a Serious Relationship for a Year.
“Want to know if a man has been used to making love or not? Pay attention to how often he looks into your eyes. If he avoids them, he’s been having sex but not really connecting with you. And while I like doggy style as much as the next gal, we spent some time in missionary, cowgirl — any sex position where he had to look me in the eyes. When men look at you, it makes them more vulnerable, and that makes the sex more intense…and that ends up making them better lovers. I am a witness.”
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13. Karollynn. 32. Married for Five Years.
“With my husband, the sex itself has never been the issue. I was always fulfilled in that department. Our challenge was the ambiance. Girl, a man can have sex in a mechanic’s garage or a club bathroom, if you’re down. What I had to get my man to learn was, if you want to really get me in the mood — fold those clothes that are on the bed, light some scented candles, have some of my favorite food delivered if you don’t feel like cooking either.
"The reason why we as women show up as a different woman in hotel rooms is because we can relax there. At home, there is always something that needs to be done, so men need to learn how to make it feel less like a ‘home office’ and more like a place of escape. That’s the cheat code.”
14. Oren. 50. Married for 28 Years.
“I always feel badly for younger women who think that good sex means hopping from partner to partner; it’s like they assume that being the same person is toiling work. For me, it’s not. The more time I’ve been with my husband, the better the sex has become because our marriage has given us all the time in the world to learn each other — and sometimes relearn each other. My advice would be to not be in a rush to ‘be great in bed.’ Care about ‘becoming one’ with your partner. If you do that, the sexual satisfaction will come.”
15. Laylah. 46. “Rebounding” Her Divorce.
“Wanna hear something crazy? My husband and I divorced because I was so sexually unhappy — years of it. I loved him, but I’m sorry, I didn’t sign up for years of being ‘bedroom miserable’, and he seemed to be committed to not hearing me, so I ended things. It might sound superficial but when your partner isn’t meeting your needs in one department, it spills over…trust me. We spent a year apart and then started speaking and casually dating again. During that time, we talked about sex a lot.
"Then we took some sex classes together. We went to sex shops. We had sexcations. He started to act like a student of sex, and that changed everything. Because there is love and history between us, now that the sex is on track, we’re in the process of reconciling. I finally have everything I need. Ladies, get everything you need.”
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You know, there is an author by the name of Abhijit Naskar who once said, “Without attachment, a naked body is merely a lifeless sex toy.” When it comes to what all of these women just shared, there is clearly some truth to that because what they all said, in their own way, is truly connecting with your partner is the key to the best kind of sex possible.
So, if your man is already a top-tier lover — mazel tov!
If not, purpose in your mind to solidify a stronger attachment with him by being honest, present, and real. Then watch what happens when you do — as your lover and…well beyond.
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