Teach Yourself Finance: Why You Don't Need an Expert to Manage Your Money

Personal Finance

Managing your money doesn't have to be complicated or require an expert. In fact, with some basic knowledge and a little discipline, you can take control of your finances and secure a stable financial future. Understanding the fundamental concepts of finance is the first step in this journey. Whether you're a complete beginner or looking to expand your financial knowledge, this guide will provide you with the essential information you need to successfully manage your money. From creating a personal budget to understanding investments and retirement planning, we'll cover it all. So, let's dive in and empower ourselves with the knowledge to make informed financial decisions.

Understanding Money: Basic Finance Concepts

When it comes to managing your money, it's important to have a solid understanding of basic finance concepts. These concepts provide the foundation for making informed decisions about your financial present and future. By familiarizing yourself with these concepts, you can take control of your money and achieve your financial goals.

The Time Value of Money: Making Every Dollar Count

One key concept in finance is the time value of money. This concept recognizes that a dollar received today is worth more than a dollar received in the future. This is because you can invest that dollar and earn interest or returns over time. As Warren Buffett, one of the world's most successful investors, famously said, "The stock market is a device for transferring money from the impatient to the patient."1

Understanding the time value of money helps you realize the importance of saving and investing early. By starting to save and invest as soon as possible, you give your money more time to grow and compound. As a result, you can potentially build a larger nest egg for your future.

The Power of Compounding: Letting Your Money Work for You

Related to the time value of money is the concept of compounding. Compounding allows your money to work for you and generate earnings on both your initial investment and the returns it generates. As legendary investor Benjamin Franklin once said, "Money makes money, and the money that money makes, makes more money."2

By taking advantage of compounding, you can watch your money grow exponentially over time. By investing in assets such as stocks, bonds, or mutual funds that generate compounding returns, you can harness the power of time and compounding to build wealth. The longer you stay invested, the more you can benefit from the magic of compounding.

Asset Allocation: Diversification for Stability

Investment diversification is another important concept to understand. Diversification is the practice of spreading your investments across different asset classes, such as stocks, bonds, and cash. By diversifying your portfolio, you reduce the risk associated with holding a single investment. As billionaire investor Mark Cuban advises, "Diversification is for the protection of ignorance. It makes little sense if you know what you are doing."3

By diversifying, you can potentially mitigate the impact of poor-performing investments and protect yourself from market volatility. As the saying goes, "Don't put all your eggs in one basket."

Inflation: The Erosion of Purchasing Power

Inflation is a concept that affects the purchasing power of your money over time. Inflation refers to the increase in prices of goods and services over time. As inflation rises, the value of each dollar you hold decreases. It's important to consider the impact of inflation when making financial decisions.

Investing in assets that can outpace inflation, such as stocks or real estate, can help you preserve and potentially grow your wealth. As investor Peter Lynch once said, "The stock market is filled with individuals who know the price of everything, but the value of nothing."4 By focusing on the long-term value and potential growth of your investments, you can mitigate the impact of inflation.

Final Thoughts: Empowering Yourself to Manage Your Money

Understanding these basic finance concepts can empower you to take charge of your financial life. By applying these concepts, you can make informed decisions about saving, investing, and managing your money. As financial expert Robert Kiyosaki advises, "The most successful people in life are the ones who ask questions. They're always learning. They're always growing. They're always pushing."5

So, take the initiative to educate yourself about finances and don't shy away from asking questions. By doing so, you'll become better equipped to navigate the complex world of finance and make sound financial decisions for yourself and your future.

pink pig coin bank on brown wooden table
Photo by Andre Taissin on Unsplash

Creating a Personal Budget: Track Your Income and Expenditure

When it comes to managing your finances, one of the most crucial steps you can take is creating a personal budget. This will help you track your income and expenditure, allowing you to gain a clear understanding of where your money is going and how you can make better financial decisions.

Tracking your income is a vital part of budgeting. Start by listing all the sources of income you have, such as your salary, any additional income from freelance work or rental properties, and even gifts or bonuses you receive. Having a clear picture of your income will enable you to set realistic financial goals and plan your expenses accordingly.

On the other hand, tracking your expenditure involves keeping a detailed record of everything you spend your money on. This includes essential expenses like rent or mortgage payments, utilities, groceries, transportation, and healthcare, as well as discretionary expenses like dining out, entertainment, and shopping. Be meticulous in tracking every expenditure, no matter how small, to get a complete overview of your spending habits.

To make the process easier, consider using budgeting software or apps that will help you categorize your expenses and analyze your spending patterns. These tools often provide visual representations of your expenditure, making it easier to identify areas where you can cut back on unnecessary expenses.

Creating a personal budget not only helps you track your income and expenditure but also allows you to prioritize your financial goals. By allocating your income to different categories such as savings, debt repayment, and discretionary spending, you can ensure that you're not overspending or neglecting essential financial aspects.

Being conscious of your spending habits and having a budget in place can prevent you from falling into the debt trap. As personal finance expert, Suze Orman, suggests, "A budget is telling your money where to go instead of wondering where it went.” By actively tracking your income and expenditure, you'll be able to identify areas where you can cut back and free up money that can be put towards debt repayment or savings.

In addition, creating a personal budget can also bring clarity and reduce financial stress. By knowing exactly how much money you have coming in and going out, you can make more informed decisions and avoid unnecessary financial anxiety.

Remember, creating a personal budget takes time and effort, but the benefits far outweigh the initial investment. As you track your income and expenditures, you'll gain a better understanding of your financial picture and be better equipped to take control of your money.

So start today by setting aside some time to create a personal budget and start tracking your income and expenditure. You'll be amazed at how this simple step can positively impact your financial future.

Savings and Investments: The Power of Compound Interest

One of the most powerful financial concepts you should understand is the power of compound interest. This simple principle can make a significant difference in your savings and investment journey.

Compound interest is when you earn interest on both the original amount of money you invest, as well as the interest that accumulates over time. As a result, your money grows at an increasing rate, creating a snowball effect.

To explain the power of compound interest, let's take a look at an example. Suppose you invest $1,000 in a savings account with an annual interest rate of 5%. After one year, you would earn $50 in interest. However, instead of withdrawing the interest, you leave it in the account and continue adding to your original investment.

In the second year, you would earn 5% interest on the new total of $1,050, resulting in $52.50 in interest. Again, you reinvest the interest. This process continues year after year, and after ten years, your initial $1,000 investment would have grown to $1,628.89.

This compounding effect allows your money to work for you and generate more wealth over time. Albert Einstein once said, "Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn't, pays it."

The key to maximizing the power of compound interest is to start early and be consistent. The longer you have your money invested, the more time it has to grow. Don't underestimate the impact of even small contributions over a long period. As Warren Buffett, one of the world's most successful investors, said, "Someone's sitting in the shade today because someone planted a tree a long time ago."

Another crucial aspect of compound interest is the rate of return on your investments. While a higher interest rate will undoubtedly accelerate the growth of your money, it's also important to consider the associated risks. Diversifying your investments and seeking professional advice can help strike a balance between risk and reward.

Remember, compound interest is not limited to savings accounts. You can also utilize it in other investment vehicles such as stocks, bonds, and mutual funds. By taking advantage of compound interest, you're setting yourself up for long-term financial success.

Retail Banking: Checking and Savings Accounts

When it comes to managing your money, one of the most important aspects is having a reliable and convenient place to store it. This is where retail banking and checking and savings accounts come into play.

Why Do You Need a Checking Account?

A checking account is essential for managing your day-to-day financial transactions. It allows you to deposit your income, pay bills, and make purchases conveniently. With a checking account, you can easily access your funds through various channels like ATMs, online banking, and debit cards.

According to financial advisor John Mackey, "Having a checking account provides you with a safe and secure way to manage your money. It allows you to keep track of your expenses, pay bills on time, and avoid the hassle of carrying cash."

The Benefits of a Savings Account

Alongside your checking account, having a savings account is crucial for building an emergency fund and planning for future expenses or investments. With a savings account, you can earn interest on your deposits, which helps your money grow over time.

Financial expert Suze Orman explains, "A savings account is like a safety net that provides you with financial stability and peace of mind. It allows you to set aside money for unexpected emergencies or future goals, such as buying a house or funding your child's education."

How to Choose the Right Banking Institution

When selecting a bank for your checking and savings accounts, it's important to consider factors such as fees, convenience, and customer service. Do some research and comparison to find a bank that offers low or no fees, has convenient locations or online banking options, and provides excellent customer service.

According to personal finance author Robert Kiyosaki, "Your choice of a banking institution can significantly impact your financial well-being. Look for a bank that aligns with your needs and values, and offers the services and products that you require."

Tips for Managing Your Retail Banking Accounts

To make the most of your checking and savings accounts, here are some practical tips to keep in mind:

  1. Track your transactions: Regularly review your account statements and keep track of your expenses to ensure your finances are in order.

  2. Automate your savings: Set up automatic transfers from your checking to your savings account, so you consistently save a portion of your income.

  3. Monitor fees: Be aware of any fees charged by your bank, such as monthly maintenance fees or ATM fees. Look for ways to minimize these costs.

  4. Utilize online banking: Take advantage of the convenience of online banking to manage your accounts, track your transactions, and set up alerts for balances or suspicious activities.

In conclusion, taking control of your finances starts with establishing reliable retail banking accounts, namely checking and savings accounts. These accounts provide the foundation for managing your money effectively and preparing for future financial goals. By understanding the benefits and tips for managing these accounts, you can confidently take charge of your financial future.

The World of Credit: Credit Cards and Loans

When it comes to managing your finances, understanding the world of credit is essential. Credit cards and loans play a significant role in our daily lives, and it's crucial to be well-informed about how they work and how to use them responsibly.

Credit cards are a convenient and widely used tool for making purchases. They allow you to make purchases on credit, which means you can buy something now and pay for it later. According to a recent survey, over 80% of Americans have at least one credit card.

Credit cards come with many benefits. They provide a convenient way to pay for goods and services, whether in-store or online. They offer rewards programs that can give you cashback, points, or airline miles for every dollar you spend. Credit cards also provide protection against fraud and unauthorized purchases.

However, it's essential to use credit cards responsibly. One of the most crucial aspects of credit card management is paying your bill on time. When you pay your bill in full each month, you avoid interest charges. But if you only pay the minimum amount, you will be charged interest on the remaining balance, which can quickly accumulate over time.

Rachel, a personal finance expert, advises, "Always pay your credit card bill on time and in full. This way, you can avoid the high interest charges and maintain a good credit score."

In addition to credit cards, loans are another common form of credit. Loans allow you to borrow money to make significant purchases such as a car, a home, or to cover unexpected expenses. There are different types of loans available, including personal loans, auto loans, and mortgages.

Before taking out a loan, it's essential to understand the terms and conditions, including the interest rate, repayment period, and any additional fees involved. This will help you make an informed decision and avoid any financial difficulties in the future.

Peter, a financial advisor, suggests, "When taking out a loan, it's important to compare different options and choose the one that best suits your needs. Look for the lowest interest rate and favorable terms."

Managing your credit cards and loans responsibly is crucial for your financial well-being. It's essential to keep track of your expenses, make timely payments, and avoid excessive debt. By using credit wisely, you can build a positive credit history, which will help you in the future when you need to apply for loans, mortgages, or other financial services.

Remember, credit cards and loans can be valuable financial tools if used responsibly. Empower yourself with knowledge and take control of your credit to secure a better financial future for yourself.

white and blue magnetic card
Photo by Avery Evans on Unsplash

The Basics of Retirement Planning: Pensions and 401(k)s

Retirement planning is a crucial aspect of your financial future. It's important to start planning early to ensure a comfortable retirement. Two common retirement planning options are pensions and 401(k)s. Let's dive into the basics of these retirement plans.


A pension is a retirement plan typically offered by employers. It provides a fixed amount of income to retirees, usually based on factors such as years of service and salary. Pensions are funded by both the employer and the employee, with contributions made throughout one's working years.

Pensions offer a sense of security, as they guarantee a steady income during retirement. One advantage is that you don't have to worry about managing your investments or dealing with market fluctuations. Phil, a retired teacher, shares his thoughts on pensions: "Having a pension allowed me to enjoy retirement without worrying about my finances. It's comforting to know that I have a stable income every month."

However, it's essential to note that not all employers offer pensions anymore. In recent years, many companies have shifted to alternative retirement plans, such as 401(k)s.


A 401(k) is a retirement account that allows individuals to save for retirement while also enjoying tax advantages. Unlike pensions, 401(k)s are employee-funded, and some employers may match a percentage of the employee's contributions. The funds in a 401(k) account are invested in various assets, such as stocks, bonds, and mutual funds, based on the individual's preferences.

One of the significant benefits of a 401(k) is the potential for growth through compounding interest. Sarah, a working professional, explains, "I love the idea of my money working for me over time. By contributing to my 401(k) consistently and investing wisely, I'm confident that I'll have enough for a comfortable retirement."

Another advantage of 401(k)s is flexibility. If you change jobs, you can often roll over your 401(k) into a new employer's plan or an Individual Retirement Account (IRA).

However, as with any investment, there are risks involved. The value of your 401(k) account can fluctuate based on market conditions. It's crucial to regularly review and adjust your investment strategy to ensure that it aligns with your retirement goals.

In conclusion, both pensions and 401(k)s play a significant role in retirement planning. Pensions offer stability and a guaranteed income, while 401(k)s provide flexibility and potential for growth. By understanding these retirement options, you can make informed decisions about how best to save for your future. Remember, it's never too early to start planning for retirement, so take action today to secure a comfortable tomorrow.

Real Estate 101: Mortgages and Home Ownership

If you're considering buying a home, understanding mortgages and home ownership is crucial. It's a big step, but with the right knowledge, you can confidently navigate this process and make the best decision for yourself.

Getting Started: Types of Mortgages

There are different types of mortgages available, each with its own advantages and considerations. It's important to understand these options before making a decision. A fixed-rate mortgage, for example, offers stability as your interest rate remains the same throughout the loan term. On the other hand, an adjustable-rate mortgage (ARM) may start with a lower interest rate but can fluctuate over time.

Remember, the monthly amount you can afford for your mortgage payment will depend on various factors such as your income, expenses, and credit history. It's essential to be realistic about your budget and choose a mortgage that fits your financial situation.

The Role of Down Payments

When purchasing a home, you'll likely need to make a down payment, which is a percentage of the total purchase price. The larger your down payment, the less you'll have to borrow, leading to lower monthly mortgage payments and potential savings on interest payments over time.

Financial expert Suze Orman advises, "It's generally wise to make a down payment of at least 20% to avoid costly private mortgage insurance (PMI) payments." However, keep in mind that some loan programs offer options for smaller down payments, allowing you to get into a home with less money upfront. Again, it's important to assess your financial circumstances carefully.

The Home Buying Process

Once you've chosen a mortgage type and determined your down payment, it's time to start the home buying process. This typically involves the following steps:

  1. Getting pre-qualified or pre-approved: This step helps you understand how much you can borrow and lets sellers know you're a serious buyer.

  2. Finding a real estate agent: An experienced agent can guide you through the process, help you find suitable properties, and negotiate the best terms.

  3. House hunting: Visit different houses, consider the location, amenities, and potential for future appreciation.

  4. Making an offer: Work with your agent to make a competitive offer based on market conditions and the seller's asking price.

  5. Home inspection and appraisal: These steps evaluate the condition of the property and its value, ensuring that you're making a sound investment.

  6. Closing: This is where you finalize the mortgage and other legal aspects of the home purchase. You'll sign the necessary documents, pay closing costs, and become a homeowner.

Home Ownership: Responsibilities and Benefits

Owning a home comes with both responsibilities and benefits. On one hand, you become responsible for maintenance, repairs, and property taxes. On the other hand, homeownership can provide stability, a sense of pride, and the potential for long-term financial gains.

As life coach Tony Robbins puts it, "Owning a home is a keystone of wealth both financial affluence and emotional security." When you pay your mortgage, you're building equity, which is the value you own in your home. Over time, this equity can increase as the property appreciates, potentially becoming a valuable asset.

Understanding mortgages and the homebuying process is vital when considering homeownership. Taking the time to research and educate yourself about the various mortgage options, down payments, and the responsibilities and benefits of ownership will empower you to make informed decisions. Remember, this is an exciting journey towards creating stability and building long-term wealth for yourself and your family.

Managing Risks: The Role of Insurance

Insurance plays a crucial role in managing the various risks we face in life. Whether it's protecting our home, our health, or our car, insurance gives us peace of mind and protects us financially when unexpected events occur. In this section, we will explore the importance of insurance and how it can help you safeguard your assets.

The Unexpected Happens

Life is full of uncertainties, and it's impossible to predict what might happen in the future. Accidents, natural disasters, illnesses, or thefts can leave you emotionally and financially devastated. Insurance provides a safety net that helps you recover and rebuild when these unexpected events occur.

Protecting Your Assets

One of the primary purposes of insurance is to protect your assets. Whether it's your home, your vehicle, or your personal belongings, insurance can provide coverage and financial assistance in the event of damage, loss, or theft. Without insurance, replacing or repairing these assets can be an overwhelming financial burden.

Peace of Mind

Insurance offers peace of mind. Knowing that you have coverage in place can bring a sense of security, allowing you to go about your life without constantly worrying about what might happen. It's like having a safety net that catches you when you fall.

Health Coverage

Health insurance is another essential form of insurance. Medical expenses can be incredibly high, and without insurance, a serious illness or injury could lead to financial ruin. Having health insurance ensures that you can access necessary medical care without worrying about the cost.

Liability Coverage

Insurance isn't just about protecting your assets; it's also about protecting yourself from liability. Liability insurance provides coverage in case you are found responsible for causing harm or damage to others. For example, if someone slips and falls in your home, your liability insurance can help cover their medical expenses and potential legal fees.

Getting the Right Coverage

It's important to understand your insurance needs and get the right coverage for your specific circumstances. Reviewing your coverage periodically and making necessary adjustments can ensure that you are adequately protected. Consulting with an insurance professional can help you navigate the complexities and choose the right policies for your needs.

The Cost of Insurance

While insurance provides valuable protection, it does come at a cost. The premiums you pay for insurance coverage depend on various factors, including the type of coverage, your risk profile, and the value of the assets you are insuring. However, the cost is a small price to pay for the security and peace of mind insurance provides.

The Importance of Comparison Shopping

When it comes to insurance, it's essential to shop around and compare different options. Insurance companies offer various policies with different coverage levels and premiums. Taking the time to compare options can help you find the best coverage at the most competitive price.

Don't Delay, Protect Yourself Today

Insurance is not something to put off until tomorrow. Accidents and unforeseen events can happen at any time, and being prepared is essential. As the saying goes, "Failing to prepare is preparing to fail." So, take control of your financial future and protect yourself by investing in insurance today.

Impact of Taxes: Planning Your Financial Future

Understanding the impact of taxes on your financial future is crucial for effective financial planning. Taxes can significantly affect your wealth accumulation, retirement savings, and investment strategies. By planning and managing your taxes wisely, you can ensure that you maximize your financial potential and minimize unnecessary expenses. Here are some key considerations to keep in mind:

  1. Know Your Tax Bracket: Understanding which tax bracket you fall into is essential for effective tax planning. Different tax brackets have varying tax rates, and knowing your bracket will help you make informed decisions regarding your finances. As Dave Ramsey advises, "Understanding your tax bracket is crucial in planning your financial future and making strategic financial decisions".

  2. Maximize Tax Deductions: Take advantage of all available deductions to reduce your taxable income. Deductions like mortgage interest, charitable contributions, and education expenses can help lower your tax bill. Ramsey suggests, "Don't leave any deductions on the table. Take the time to explore all eligible deductions so you can keep more money in your pocket".

  3. Utilize Tax-Advantaged Accounts: Tax-advantaged accounts such as Individual Retirement Accounts (IRAs) and 401(k)s offer significant tax benefits. Contributions to these accounts are often tax-deductible, and the earnings grow tax-deferred or tax-free. Ramsey emphasizes the importance of utilizing these accounts, stating, "Investing in tax-advantaged accounts allows your money to grow faster and more efficiently while minimizing your tax liability".

  4. Consider Tax-Efficient Investments: When investing, it's essential to consider the tax implications of your choices. Certain investments, such as index funds and exchange-traded funds (ETFs), are known for their tax efficiency. These investments typically generate fewer taxable events, resulting in lower tax liabilities. According to Ramsey, "Opting for tax-efficient investments can help you keep more of your investment returns and minimize the impact of taxes on your portfolio".

  5. Stay Updated on Tax Laws: Tax laws and regulations are subject to change, so it's crucial to stay updated. Changes in tax laws can have a significant impact on your financial planning strategies. Keep yourself informed and consult with a tax professional to ensure you're making informed decisions based on the most current tax laws.

Remember, effective tax planning is an ongoing process that requires continuous evaluation and adjustment. By staying proactive and aware of the impact of taxes on your financial future, you can optimize your financial situation and work towards achieving your long-term goals.

coffee mug near open folder with tax withholding paper
Photo by Kelly Sikkema on Unsplash

Long-term Wealth Creation: Stocks, Bonds and Mutual Funds

When it comes to long-term wealth creation, stocks, bonds, and mutual funds are essential tools to consider. These investment options have the potential to grow your money significantly over time. However, it's important to understand the basics before jumping in.

Stocks: Investing in Company Ownership

Stocks represent ownership in a company. By purchasing shares of a company's stock, you become a partial owner and share in the company's profits. Investing in stocks can be risky, as the value of a stock can fluctuate based on market conditions and the performance of the company. However, if you have a long-term mindset, stocks have the potential to generate significant returns.

Warren Buffett, one of the most successful investors of all time, once said, "The stock market is a device for transferring money from the impatient to the patient." This quote highlights the importance of long-term investment strategies and patience when it comes to stock market investments.

Bonds: Fixed Income Investments

Bonds, on the other hand, are fixed income investments. When you invest in a bond, you are essentially lending money to a government or corporation for a fixed period of time. In return, you receive regular interest payments and the full amount of your investment back at the end of the bond's term.

Bonds are generally considered less risky than stocks because they offer a fixed return. However, it's important to note that bonds are not completely risk-free. The creditworthiness of the issuer and changes in interest rates can impact the value of a bond.

Mutual Funds: Diversified Portfolios

Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other assets. They are managed by professional fund managers who make investment decisions on behalf of the investors.

One of the key advantages of mutual funds is diversification. By investing in a mutual fund, you gain exposure to a wide range of securities, reducing the risk of relying on a single investment. As Peter Lynch, a legendary investor, once said, "Diversification is a protection against ignorance. It makes very little sense for those who know what they're doing."

Investing for the Long Term

Stocks, bonds, and mutual funds offer different investment opportunities for long-term wealth creation. It's important to carefully consider your risk tolerance, investment goals, and time horizon before making investment decisions.

Remember, investing in the stock market involves risk, and it's important to do thorough research or consult with a financial advisor before making any investment decisions. As you embark on your journey to long-term wealth creation, be patient, diversify your investments, and stay focused on your long-term goals.


It is important to note that seeking professional advice is always an option, especially for complex financial matters or if you feel overwhelmed. However, the idea that you must rely solely on experts to manage your money is a misconception. As Dave Ramsey, personal finance expert, puts it, "You must gain control over your money or the lack of it will forever control you." By taking the time to educate ourselves and apply the principles of finance to our own lives, we can break free from the cycle of financial insecurity and ultimately achieve financial freedom. So, whether you are just starting out or looking to improve your financial situation, empower yourself with knowledge and take charge of your own financial future.

1Warren Buffett, "Berkshire Hathaway Annual Shareholder Letter" (1997)
2Benjamin Franklin, "Advice to a Young Tradesman" (1748)
3Mark Cuban, "How to Win at the Sport of Business" (2011)
4Peter Lynch, "One Up On Wall Street" (1989)
5Robert Kiyosaki, "Rich Dad Poor Dad" (1997)
6Suze Orman, The Money Book for the Young, Fabulous & Broke (2005)
7Dave Ramsey, Financial Peace (1992)
8Investopedia, "Compound Interest" (2021)
9Warren Buffett, Berkshire Hathaway Annual Letter to Shareholders (1993)
10John Mackey, "The Essentials of Personal Finance" (2018)
11Suze Orman, "The Money Book for the Young, Fabulous & Broke" (2005)
12Robert Kiyosaki, "Rich Dad Poor Dad" (1997)
13Charles D. Ellis, Falling Short: The Coming Retirement Crisis and What to Do About It (2014)
14Suze Orman, The Money Book for the Young, Fabulous & Broke (2005)
15Tony Robbins, Unshakeable: Your Financial Freedom Playbook (2017)
16Dave Ramsey, Financial Peace (1992)
17Dave Ramsey, Financial Peace (1992)
18Warren Buffett, "The Essays of Warren Buffett: Lessons for Corporate America" (1997)
19Peter Lynch and John Rothchild, "One Up On Wall Street: How To Use What You Already Know To Make Money In The Market" (2000)