Well written and interesting. Lots of useful advice here. I only have one complaint: I wish I'd read it in my twenties so that I could have put that advice to good use..

Netgalley is a good platform to browse for upcoming books. If you get lucky, you will get the chance to read an ARC of a book you wish too. I also think it is one of the biggest platforms to search for indie authors. Recently, I got my hands on Tom Graneau's new book, Pennies to Power: How to use your 20's to Gain Financial Independence for Life.

For those of you who do not know, Tom is an advocate for working independently. At least to generate an income for your own efforts instead of working for others and fulfilling their dreams. In this book, he tries to provide pragmatic patterns and suggestions. He intakes 7 cultural barriers that are adhering most people from earn money outside their monthly paycheck life. There is no harm in that, but doing what you love and earning for yourself instead of paying to the banks to clear of your loans, is the motivation behind this book. Pennies to power gives the example of the American financial situation. It is full of researched anecdotes and diagrams. The author shows how temptations lead debt that looms for the rest of their lives. This forces one to think and live in a paycheck to paycheck lifestyle.

Pennies to Power tries to educate young ones about what financial situations they might lead into if there are no proper steps taken early in their lives. Tom believes that an individual's 20s are the best time to start. Even though this book is targeted at people of a certain age group. The author claims that it can be useful for someone in their late twenties, I feel otherwise. I think the right audience for this book is for the age group of 18 to 22. They might feel more empowered and find it useful.

The writing style is not an attractive one. Even though it is a work of non-fiction, I felt it could have been better. The language is easy to understand and the book justifies the theme it revolves around: money.

This book is such a gem!

Not only is this fantastic for someone in their 20s, but I really feel like it could be beneficial at any age to help motivate us to think differently about spending money and the necessity to save it. This book was so motivational to me and I plan on reading it again with my husband so we can try to make some changes to help us increase our net worthy and have enough money to live comfortably.

I especially enjoyed the part where the author talked about hoarding stuff and how much money spent is on non-essentials. I have always been able to admit that I am a book hoarder...but who can have too many books? There isn't too much of a good thing, right? Well, I have learned that is not true as I easily filled up our wall to wall bookcase in our office and have enough books downstairs to do it again another time at least, even with stacking them to fit more. As I reflect on things, I realize it isn't just books though. It is toys for the kids, movies, board games, clothes, shoes, food storage, so many things. While some things are accumulated because of finding amazing deals at yard sales and secondhand stores, it is still money spent, and even more causes emotional stress. This book has definitely motivated me to go through those things and get rid of more and try not to be spending money on these nonessentials that decrease our savings and stress us out as we try to find room for everything.

I am excited to utilize the tips and information I have learned from this book to take control of our financial situation. This book is both empowering and freeing- Definitely a must read!!

I received this ARC from NetGalley in exchange for an honest review.

A great insight into financial management for anyone in their twenties.
I'd recommend it to anyone who is not just twenty years old, but if you are going into college too- and even if you are out of it, this book has some great tips on savings and explains best what credit is and how to avoid it. Thanks NetGalley for the eARC.