We all have books that have changed our lives. From adventurous and magical stories as kids, to more thought-provoking books as we age, there are true treasures in every library, bookstore—and now, e-reader.

Reading is one of the best ways to learn, and it’s often a form of preferred entertainment. We can curl up with a book and a cup of coffee or tea, sit by the fireplace, lay back in our hammock, or peer over a mountain view.

Whatever your preferred reading spot is, consider cosying up with a book that can change your financial life: books that will increase your money IQ and give you plenty of tips to share with your friends, too.

These are books that are so financially clever, you’ll want to keep flipping the pages (or tapping your Kindle screen) for more.

1. Rich Dad, Poor Dad: What The Rich Teach Their Kids About Money That The Poor and Middle Class Do Not! by Robert Kiyosaki and Sharon Lechter

Often cited as the number one personal finance book of all-time, Rich Dad Poor Dad shares Kiyosaki’s story of growing up with two dads (his real father and his best friend’s father, who was rich). The book outlines how each man influenced and shaped his approach and beliefs about investing and money.

One of the most useful parts of the book describes how you don’t need a high income in order to get rich. To summarise his words, Kiyosaki shares that we shouldn’t work for our money, but let our money work for us.

2. The Total Money Makeover: A Proven Plan for Financial Fitness by Dave Ramsey

Known as a personal financial guru, Ramsey is a radio talk-show host and bestselling author. Ramsey also offers several financial courses, designed for young adults, couples, and families.

In his book, The Total Money Makeover, Ramsey helps readers build their financial muscles. He describes clear methods for reducing your spending, paying off debt, and gaining financial freedom through emergency funds and retirement plans. Ramsey’s methods, if you stick with them, have the power to transform your life now—and long into the future.

3. I Will Teach You to be Rich by Ramit Sethi

This transformational book, written by the Stanford grad, Sethi, provides a practical 6-week personal finance program. The book is targeted toward young adults, though many of his methods can be applied at any life stage.

The best part of Sethi’s book? He offers a non-judgemental approach that helps you open up doors for yourself without feeling bad about your current financial status or habits.

4. The Automatic Millionaire: A Powerful One-step Plan to Live and Finish Rich by David Bach

Bach takes a unique approach to sharing the secrets of becoming a millionaire.

His method doesn’t use a budget and doesn’t require willpower. The Automatic Millionaire approach takes one hour to set up. The book uncovers how you can put his automatic plan in place, starting today.

5. MONEY Master the Game: 7 Simple Steps to Financial Freedom by Tony Robbins

You’ve likely heard of Tony Robbins. Maybe you saw him in his cameo appearance in the movie Shallow Hal or read about some of his impressive philanthropy and entrepreneurial endeavors. And if you’re hearing about him for the first time, it’s never too late.

Robbins is a #1 New York Times bestselling author and MONEY Master the Game is a powerful addition to his collection. This book zeroes in on how to gain financial freedom for ourselves and our families. Using data from extensive interviews and research from some of the top investors and money-makers in the world, Robbins offers a 7-step guide to a more than positive financial future.

What’re you waiting for?

6. Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth by T. Harv Eker

From the beginning, Eker’s financial masterwork helps readers make the jump from desiring success to achieving it. Using his theory of a “money blueprint,” which he believes dictates your financial success over any other factor, readers get an inside peek at how millionaires think differently than everyone else.

And the most valuable part of this book is that Eker shares how we can change our money blueprint to align ourselves with abundant financial success.

7. Women & Money: Owning the Power to Control Your Destiny by Suze Orman

For years, Orman has been a go-to financial expert. Her particular expertise centres on helping women separate from a dysfunctional relationship with money.

In Women & Money, Orman provides women with financial knowledge and emotional awareness, and shares how both are interconnected on the path to financial success. One of the best features arrives when Orman discusses the eight qualities of wealthy women.

8. Unshakeable: Your Financial Freedom Playbook by Tony Robbins

There’s a reason Robbins has two books on this list: he’s that good.

Unshakeable is Robbins’ step-by-step guide that will give you all of the tools you need to race toward financial freedom at record speed. His tips are reader-applicable, independent of your salary and your stage in life. He uses insights from the greatest financial minds and leans on wisdom from Peter Mallouk, a well-renowned financial advisor.

9. The Behaviour Gap: Simple Ways to Stop Doing Dumb Things with Money by Carl Richards

Carl Richards is a financial planner that grew tired of seeing people make the same financial mistakes. Through his research and experience, Richards identified “the behaviour gap,” which is the chasm between what we ought to do and what we actually do. Painting a clear picture of this gap, readers begin to understand how they can make the jump to the other side. And in doing so, simplify their lives and stop losing hard-earned money.

10. How Rich People Think by Steve Siebold

Based on over 25 years of interviews with some of the world’s most profound millionaires, Siebold shares their secrets, habits, and thoughts regarding money. Siebold’s writing style is clear and to the point, making it easy to understand and absorb his concepts—and apply them to your own life.

Ready to trade your lifestyle for the millionaire lifestyle, or at least one of financial freedom? Consider a debt consolidation loan to lower your interest rates, and start saving for your future today.

We’re also here if you need a personal loan, whether it’s to pay for an unexpected cost or make an investment in your health and well-being, like a holiday away.