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Money: What I Wish I Knew When I Was Younger: A Cautionary Tale & Lessons Learned for Teens & Young Adults


Loved it! 😍

Using his years-long journey making poor financial decisions, Brian Siemens will show the reader how they can do better... and start sooner.

Out of all the personal finance books available, this book stands out because it is geared towards a younger audience. It is both a cautionary tale and a book full of words of advice. It is easy for adults to tell young adults and teenagers to avoid making the same mistakes they did. Usually, this phrase is accompanied by a lecture and a warning to avoid certain pitfalls. In personal finance, these pitfalls are abundant and include credit cards, student loans, impulse buying, etc. Brian Siemens expounds on these pitfalls with well-thought-out details and his own experience. He tells the whole story, including his own. For instance, he brings the reader's attention to the concept of tax brackets. Even as an intermediate/advanced personal finance enthusiast, I haven't fully taken tax brackets into consideration. Some of these small details can be very important and if overlooked, as Brian did early in his life, they can lead to poor financial decisions. Bad habits early on can be even harder to break. Even if you don't know the difference in cost between getting new tires for a truck and getting new tires for a car, you'll understand why the difference is important after reading this book. Maybe, if you're a younger reader, you might even start an investment account!

I loved reading the quotes at the beginning of each chapter. Typically I skim over quotes like these, but I really enjoyed each of the quotes that Brian Siemens chose.

Though this book is short, most of it is to the point and very practical. The last chapter is a tl;dr of advice that sums up the rest of the book. For those with short attention spans, this is a great beginner's comprehensive guidebook for personal finance that is full of relevant and interesting personal anecdotes. 

Reviewed by

Hello! I'm an author and a book reviewer. I've reviewed ~400 Indie books since 2013 and just reached over 1000 blog posts since 2013! I love lists and challenges. I especially enjoy contemporary young adult books. I'm a fast reader and love spotting typos when reading ARCs.

Feeding the Monster

About the author

Brian Siemens is a financial educator and public speaker. Prior to becoming a writer, Brian worked in information technology and finance for several Fortune 1000 companies. Brian earned a Bachelor of Business Administration from the University of Oklahoma and an MBA from Oral Roberts University. view profile

Published on October 27, 2020

30000 words

Worked with a Reedsy professional 🏆

Genre: Finance & Accounting

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