I’m very glad that someone recommended me bogleheads, after reading, I was able to open up a roth and contribute yearly which may be one of the best personal finance decisions I’ve made.
The Bogleheads Guide to Investing was the thing that helped me the most. My family got me prepared for day to day finance, but nobody explained retirement savings to me.
This book broke everything down into easy to understand terms, and made me feel comfortable investing wisely.
The book used to be free online, but I don’t see it anymore. You could search up a PDF, or they have a really good wiki that covers most of it, but more briefly. Here is the Getting Started page.
Give that a read, and then if you want to follow it, the wiki will give you the current lowest costs funds for all the major companies so you can do your IRA/401/HSA into the best funds available.
I’ve had a lot of success taking the rules that YNAB uses and applying to my own budgeting method. I recommend checking out Actual Budget if you’re capable of self-hosting and want a fancier software instead of a spreadsheet. The rules are key, though; pick a methodology/mindset you agree with and stick with it.
I tried a few different things, and eventually settled on my own budgeting spreadsheet that I did in Apple numbers. I have tabs for each pay period, and I am working on having amounts automatically roll over to the next tab.
EDIT: I tried YNAB and was tearing out my non-existent hair. What a non-intuitive cluster fuck of twisted logic.
The book “I will teach you to be rich” has a great overview of how to best leverage credit cards, high yield savings accounts, setting up automatic investments, saving, and lots of other ‘good to know’ topics about money.
For investing specifically I use the Boglehead method.
Barefoot Investor was really good for my wife and I when we joined finances. Particularly having our own “splurge” accounts means we don’t need to ask each other before buying our own personal or frivolous things.