Future Rich Person: The New Rules for Building Wealth (Even if You’re Stuck, Broke, and That Billionaire Won’t Text You Back...)

Sacks, a financial influencer who posts as Mrs. Dow Jones, debuts with a down-to-earth guide to personal finance. At her first corporate HR meeting, Sacks, then 25, was inundated with retirement and health insurance jargon that left her feeling lost. She found research empowering and set out in 2018 to help other young people achieve financial literacy. The “ultimate financial power move” is increasing income, she says, outlining steps like negotiating a raise or taking on side hustles. Making more and spending less increases one’s “Action Money,” funds left over once the essentials are covered. Sacks also calls this “your Future Rich Person money,” as it can be used to build an emergency fund, pay off debt, invest in the stock market, and bankroll retirement. Her “Bachelorette Payoff Method” encourages tackling debt by focusing on the loan with the highest interest rate first (“it’s who you’re inviting to the fantasy suite”) while continuing to pay the minimum on all other debts (“no one gets ghosted”). Elsewhere, she walks readers through setting up investment accounts suited to their needs, suggests having monthly “Money Dates” to review one’s finances, and lays out her Ten Commandments of Money Etiquette. Personable and full of pop culture references, this is a digestible introductory course for getting one’s money right. (May)