How to Money by Jean Chatzky, Kathryn Tuggle & the HerMoney Team 🌿 | A Personal Review

Have you ever picked up a book and thought, “Wow… why didn’t someone teach me this sooner?”That’s exactly how I felt reading How to Money by Jean Chatzky, Kathryn Tuggle, and the HerMoney team.

Money is one of those topics most of us wish we’d learned about in school but didn’t. And yet, it affects everything — our freedom, security, and choices. How to Money finally fills in the gaps, offering practical, straightforward advice that actually feels doable.

This isn’t your typical intimidating finance book packed with jargon and charts. It’s clear, approachable, and conversational. Reading it felt like sitting down with a trusted big sister who’s walked the path before you and is here to spill the secrets no one else bothered to teach you.

First Impressions: Like Having Coffee With a Mentor ☕

From the first chapter, I felt at ease. Jean and Kathryn write with warmth and clarity, breaking down big financial concepts into manageable, bite-sized pieces. There’s no judgment here, no “you should’ve known this already” energy — just a genuine desire to empower you to take control of your money.

It feels less like reading a textbook and more like having a cozy, heart-to-heart with a mentor who gets it. Whether you’re navigating your first paycheck, trying to understand credit scores, or setting long-term goals, this book meets you where you are.

Biggest Takeaways From How to Money ✨

The book is packed with practical advice, but here are a few key lessons that really stuck with me:

1. Money Should Be a Tool, Not a Source of Stress

Instead of treating money like a mystery, How to Money encourages you to build a healthy, intentional relationship with it. When you understand how money works, you stop feeling powerless — and start using it to support the life you want.

2. Start Small, Start Now

One of my favorite things about this book is how actionable it is. You don’t need a six-figure salary to start investing, saving, or budgeting. Even small, consistent steps — like putting away $25 a week or tracking one spending habit — can create powerful change over time.

3. Understanding Credit = Protecting Your Future

I used to think credit scores were some mysterious number only banks cared about. This book explained why they matter and gave simple tips to build and maintain healthy credit without feeling overwhelmed.

4. Align Your Money With Your Values 🌿

This lesson hit home for me personally. The HerMoney team reminds us that financial success isn’t about keeping up with anyone else — it’s about defining what matters to you and making intentional choices that reflect those priorities.

What I Loved Most 💛

I loved how approachable and human this book feels. It doesn’t shame you for what you don’t know or make you feel behind. Instead, it empowers you with clarity and confidence.

The tone is warm, conversational, and even funny at times — something rare in personal finance books. And it’s beautifully organized, so you can flip to any section and get practical advice right when you need it.

By the end, I didn’t feel pressured to “master” everything at once. I felt encouraged to take one step at a time, to grow my knowledge gradually, and to build systems that work for me.

Who Should Read This 📚

I’d recommend How to Money to:

• Young adults just starting their financial journey 🪴

• Anyone who feels intimidated by personal finance

• People who want practical, actionable steps without jargon

• Anyone craving clarity, confidence, and calm around money

Whether you’re navigating student loans, your first 401(k), or figuring out how to save for big goals, this book gives you tools you can actually use.

Final Thoughts 🌿

How to Money is more than just a personal finance guide — it’s a confidence booster. It simplifies what’s often made to feel complex and replaces financial fear with empowerment.

After finishing it, I felt calmer, clearer, and ready to take small but intentional actions. It reminded me that managing money doesn’t have to be stressful — it can actually feel freeing when you have the right tools and mindset.

If you’ve ever wished someone would just explain it all without making you feel lost, this book delivers.

My Rating: ⭐⭐⭐⭐⭐ (5/5)Approachable, empowering, and incredibly practical — How to Money is the personal finance guide I wish I’d had years ago.