The 20 best books about personal finance in 2022

You learn a lot by reading on the web, but sometimes there’s nothing better than a book to educate yourself in more depth on a subject. It goes without saying that there are many topics worth delving into in the world of personal finance, and it is for this reason that we have decided to compile a list of the 20 best Quebec books on finances. personal to be obtained in 2022.

These 20 books inform you about the financial world and equip you with the stock market, the real estate market, managing expenses and increasing income. If one thing in common unites these 20 Quebec financial books, it is that educating yourself is essential to achieving financial independence. 

1. From Debt to Millionaire: A Plan for Millennials, Young Families and Anyone Who Wants to Get Rich, David Descoteaux

Brief book of a hundred pages written by the financial columnist David Descoteaux, From debt to millionaire contains a series of advice answering basic financial questions. How to manage your finances well when starting a family? Why the Tax-Free Savings Account (TFSA), Registered Retirement Savings Plan (RRSP) and Registered Education Savings Plan (RESP) are good vehicles to invest and how to use them. What is possible to save in taxes? Basic advice and tips, for all profiles, whether the student dedicated to long studies or the retiree with more limited income. This is a short general guide, but even the most seasoned in terms of finances will find their account.

2. Freedom 45, Pierre-Yves McSween

Is retirement at 45 possible? According to this book, which promotes financial independence, early retirement is possible without the need for excessive wealth or a jet-setting job. A fair and inspiring reflection on lifestyle choices, overconsumption and our real needs, the author offers a range of new possibilities. The watchword: live the present moment to its full potential, without tripping over harmful financial choices with serious long-term consequences. Aimed mainly at the youngest, this book offers several surprising chapters and a host of valuable advice. The watchwords: freedom, passive income and investments.

Author Pierre-Yves McSween unabashedly recounts his own experiences and it’s that pretentious unfiltered tone that lands this book on this list. In addition to financial advice, he reflects on people and their possibilities. What is interesting here is that the author makes a link between finances and human relationships. In Liberte 45, he tackles the couple, dreams and the ego, offering a human perspective on the subject of money.

Pleasant to read, easy to access and well edited, Freedom 45 contains relevant tips for those who no longer want to wait impatiently for their Thursday paycheck.

3. Do you really need it? Pierre-Yves McSween

Again here a book by the author Pierre-Yves McSween, Do you really need it? offers a reflection on the real necessity of your expenses. As the title suggests, the author proposes a reflection on the one hand obviously financial, but also social. The notion of need is explored and questioned. Interesting book for all audiences, since Pierre-Yves McSween gives advice on financial management at any stage of life, whether from adolescence to retirement. The question of family and couple expenses are addressed, as well as the most relevant investments to make. Another advantage, the pitfalls of capitalism and investments that are not advantageous, if at all, are explained. Like in Freedom 45, freedom is the goal. Financial freedom and individual freedom by proposing a different way of life, more focused on personal autonomy. The watchword: vigilance. The book warns against the advertising techniques that surround us and unmasks the trap of unnecessary expenses into which it is too easy to fall. Definitely a relevant bedside book!

4. Financial independence through real estate: a simple and effective method accessible to all , Jacques Lepine

Reference work on real estate in Quebec, Financial independence through real estate: a simple and effective method accessible to allis intended as an unfiltered and easy-to-read guide. Jacques Lepine offers eight methods to increase the value of your properties and he effectively popularizes even the most complex tax concepts. The author dissects the basics of real estate purchases and explains the rules to follow in order to make interesting profits, in addition to disproving the myth according to which it takes money to make money. Several useful concepts for beginners and the most seasoned are explored, including how to target the most interesting buildings, how to calculate their value, maximize bank financing, properly calculate income, find bargains on the Quebec market and finally how to make a million. , because according to the advice of Jacques Lepine, it is indeed possible!

5. Millionaires are not who you think , Nicolas Berube

A book about millionaires, Millionaires Are Not Who You Think tackles the prejudices and idyllic conceptions of the term head-on. Without taboo, Nicolas Berube questions various millionaires in order to properly expose the possible avenues towards this way of life which seems inaccessible. This is where this book becomes important reading: it is not so difficult and unthinkable to become. With concrete examples, Nicolas Berube demonstrates that it is not the job, nor the salary that prevents you from accumulating interesting profits, but the way of life that is led. Reflection here also on capitalism and the essential choices to be made in order to achieve financial freedom.

The chapters are varied and relevant. Between Advice from the Rich, When Things Go Wrong and The 12 Rules of Millionaires , the author explains the ups and downs of the life of a millionaire, and how to achieve it by investing and saving intelligently. The text reads in one go, fluid and without judgement. The reflection on our connection with money is definitely to be had.

6. Little secrets and big lies from your banker , Fabien Major

Huge favorite here for the curious and the skeptics! In his book Small and big lies from your banker , Fabien Major unmasks the deceptions and lies of the largest Canadian banks. Right from the start, it states its intention to help Canadian families no longer pay unnecessary fees to their bank, by proposing to demystify and popularize the unnecessary fees that users pay. It’s part learning guide for everyone, part critique of our tax system, part toolkit for dealing with personal finances. 

The reflection is relevant, stimulating and above all, without judgement. Fabien Major addresses social issues and offers inspiring ideas. Wealth management advisor and columnist, the author seems master of the subject and not very naive in the face of the system in which we live. The text is a must for those who wish to better manage their finances and no longer be naive. It is a resumption of control of the consumer and the citizen from the too hungry hands of the banks. Because, as this author points out, their interest is not yours, but their own benefits.

7. Invest in the Stock Market and Get Rich: Extraordinary Companies, Extraordinary Returns , Bernard Mooney

This time, it’s the famous stock market that is demystified in Investing in the Stock Market and Getting Rich: Extraordinary Companies, Extraordinary Returns . Bernard Mooney explains how to properly invest in the stock markets, in a complete and concrete way. Using examples, he guides investors through the intricacies of the stock market. How to avoid its pitfalls? How to grow the money invested? By carefully targeting the companies in which you buy shares, by understanding how to become a good investor. Columnist in finance, Bernard Mooney effectively popularizes the environment and explains the terminology of the stock market, a great tool for beginners and intermediates on the stock market.

The main point: choose the right companies, educate yourself and above all, learn from your mistakes. If you want to dive into this medium, this book is the one to consult first. It gives you all the tips and tools you need to grow your money. This guide is a bestseller, and with good reason!

8. Real estate within everyone’s reach: The best strategies for getting rich , Ghislain Larochelle

Focusing on real estate, Real estate within everyone’s reach: The best strategies for getting rich explains the basics of the environment and the best investment strategies in the real estate market. Whether you are buying your first house or getting rich by renting an income property, Ghislain Larochelle explains the tricks of these transactions that can seem intimidating. With simplicity, it clearly addresses the best strategies to adopt and the avenues to follow to obtain profits on your purchases and your sales. It offers several profitable techniques and practical tips. He explains how to pinballyour properties, how to transform a rental building into condos, how to properly close your purchase offers or find the best sales in order to obtain the best income gain. It is a good reference tool for those new to real estate transactions, but is especially relevant for buyers who want to learn about building conversions, property flipping and residential leasing.

9. In the investment jungle, Stephen Jarislowsky and Craig Toomey

This work differs from the previous ones presented. Indeed, more than just a simple reference work, it is also an autobiographical account, and a good one! The author of In the Investment Jungle , Stephen Jarilowsky, is a well-known and relevant businessman. Without embarrassment, he openly criticizes the lack of ethics within the financial community and proposes fair solutions. Director of his company for more than 50 years, he thus casts an experienced and keen eye on the business world.

In this book, he recounts his journey and shares his knowledge, learning and lessons acquired during his career. The reflections on the environment that he shares in this book are inspiring and make you want to change society. It is a connoisseur’s look that is given to us here, with its share of sound advice. The language is accessible and terms related to the financial community are easy to understand. It is therefore intended for everyone, since beyond the gold mine of information on the investment community, it is also about sharing an impressive experience.

10.  The stock market or life: the secrets of an investor, Guy Le Blanc and Philippe Le Blanc

Other reading for the curious and curious about the stock market and the investment community. A fairly dense book (it is around 400 pages), it is still a priority read for those who wish to deepen their investment skills. Money or your Lifeoffers advice and techniques for successful stock market investments and, possibly, to make a living from them. Guy Le Blanc’s famous technique, that of the Cote 100 financial newsletter, is presented in its main principles. The book, divided into three main parts, explains the stock market and how it works, the psychology of the investor and how to analyze a company and its operation. These three segments allow you to learn how to better invest your money, but also to understand how to analyze the mechanisms of companies and investors. The notion of investing is analyzed in a methodical and considered manner. Le Blanc tries to explain the outline of the Stock Exchange, comparing it to an auction rather than a lottery.

11.  Quickly regain control of your financial life , Marc Blais

Do you want to get back on top of your budget and your finances? The book Take back control of your financial life quickly is the perfect tool for this. The author Marc Blais offers several techniques to alleviate your financial stress and ease your monetary constraints. It explains how to detach from the stress related to money, how to carry out your projects, how to manage your expenses and live your relationship with money in a healthy way. It explains how to rethink your spending and how to settle your debts.

Marc Blais has a psychological approach to money. The notion of control is important in his remarks. In his book, he explains clearly and simply that if you have control of your wallet, you have control of your life. The idea seems obvious, and yet it is not always so without a clear plan. Avoiding excessive consumption is the key to financial balance. Set goals, accomplish your projects and above all, avoid falling into the traps of overconsumption. Motivating reading!

12.  Les Flips: learn how to make money quickly with real estate , Yvan Cournoyer

For anyone who wants to make a profit and fully understand the real estate industry, the book Les Flips: learn how to make money quickly with real estate is the perfect read. This book is for those who want to make a living from this market and target the best strategies to make their money grow. The flip method is effectively explained there and the author gives concrete examples. This guide tells you how to make money fast, how to target the best bargains in the market, maximize your flips, when and how to sell your acquired properties. Added to these explanations are testimonials from successful investors, a chapter on real estate taxation and techniques for successful transactions.

The author Yvan Cournoyer is an experienced real estate investor and holds a real estate broker’s license. His tracks are therefore highly relevant, since they come from his own successes. Speaker, coach, blogger and real estate investor, he is passionate about the real estate industry. His book is a gold mine for those who want to make money quickly and achieve financial independence.

13.  Retirement at 40: how to outsmart the system to achieve financial freedom , Jean-Sebastien Pilotte

Retirement at 40, is it really possible or is it an improbable dream? Retirement at 40: How to Outsmart the System to Achieve Financial Freedomdemystifies this enticing idea. If this project interests you, this is a must read! The author, having himself retired at the age of 39, explains how he achieved this. What’s interesting about this background is that the author was neither wealthy nor a lottery winner before he retired. It demonstrates that it is quite possible to achieve this without fortune. The FIRE strategy is explained there, this famous technique which makes it possible to reach financial freedom more quickly. Outsmarting the system and discovering its flaws is what Jean-Sebastien Pilotte does. The reflection on overconsumption and the restrictive lifestyle of the workplace is inspiring and makes you want to change your daily life.

Tinted with humor and light, the tone of Jean-Sebastien Pilotte adds pleasure to the reading. The one that many have known by reading his Young Retired blog retains the same joking tone. The advantage of this book? It’s all in this source, just follow the steps in this turnkey guide!

14.   Online brokerage: a short guide for independent investors , Stephane Desjardins

What to do with the money set aside and how to make it grow? If this is the question you are asking yourself, the guide Online brokerage: a short guide for independent investorsis the tool to consult. Autonomy and financial independence are the watchwords and the author and economic journalist Stephane Desjardins explains how to achieve this. The book contains advice on stock market investments, gives tips for choosing the best online brokerage platform and presents the pitfalls to avoid. The stock market can be scary, especially when you’re new to it. This reading gives the strategies to adopt and explains well how to adapt to changes in the stock market without losing your money: how to build up a basic sum, how to react to in the event of a drop in the value of your shares, how to borrow (or no) to better invest, what to monitor first, when to sell and when to buy. Autonomy is accessible, but you have to educate yourself before you start investing in the stock market. Great guide for the curious!

15.  Make the Right Choices: 10 Short Lessons in Applied Economics , Pierre Emmanuel Paradis

What is the economy and how does it actually work? An obscure and misunderstood concept, the economy is nevertheless omnipresent in our daily lives. In Make the Right Choices: 10 Short Lessons in Applied Economics, the author Pierre Emmanuel Paradis presents the foundations using concrete examples. The goal here is to equip individuals and entrepreneurs to make informed and intelligent financial choices. It is therefore aimed at a wide audience. It is the notion of realistic choices and constraints that is explained, allowing the reader to understand the stakes of money on his way of life. A reflection on climate change is also omnipresent, and with good reason. The author clearly explains the link between the economy and the current ecological reality, resources becoming more limited and precious. Interesting look at the world of numbers. Among the 10 lessons, what is wealth and how to create it and comparative advantage are explained. The book is pleasant to read, with strong language.

Pierre Emmanuel Paradis is an economist and company president. It is with an analyst’s eye that he offers a set of in-depth notions on the economy. 

16.  Money stories: how to avoid the worst mistakes thanks to those of others , Isabelle Ducas

Want to regain control of your finances or make sure you don’t make any mistakes? Money stories: how to avoid the worst mistakes thanks to those of othersis the perfect book. Using concrete examples, Isabelle Ducas explains how to properly manage your portfolio. By popularizing the economic issues of daily life, this book is a reference tool to ensure that you are in control. The subjects are varied and relevant: de facto spouses, blended families, self-employed workers, etc. What makes this an interesting read are the first-hand accounts and expert opinions on these cases. Not only do the experts explain the mistakes made, but they also offer disaster predictions and effective solutions to avoid bankruptcies. Excellent easy-to-read guide for those who wish to better understand how to redirect their monetary decisions and the possibilities of these.

Isabelle Ducas is a journalist with the newspaper La Presse. It focuses on financial and social topics. The cases analyzed in his book are also inspired by the Train de vie section published in the said journal. A reference for people who wish to understand the complexity of social and economic issues, and their intrinsic link. 

17. Heads and Tails: Combining Reason and Emotion to Succeed on the Stock Exchange, Michel Villa

Want to learn more about the stock market? The book Pile et face: combining reason and emotion to succeed on the stock market is the tool to consult for those who have already experienced the stock market and who wish to better understand its gears. With humility, Michel Villa offers tips and advice not to become rich, but simply more skilful with stocks thanks to better control of one’s behavior and decision-making. Divided into three parts, the book first explains the basics of stock markets. It is the second part which is especially worth reading: Michel Villa explains the interpersonal skillsin stock exchange. How to manage your emotions in order to make the most rational and objective decisions possible. The third part is a set of advice from the author, his golden rules to follow to live well on the stock market. Everything is accompanied by concrete examples. If this book is mainly about the stock market, it is still edifying to consult it, if only for the reflection on the link between our emotions and our money. Michel Villa is a columnist, lecturer and scholarship trainer. He concentrates his work and his reflections on the explanation of theories, emphasizing the importance of knowledge before acting. 

18. Did you fix that? Minding Your Business Before Trouble Begins , Dany Provost

Absurd humour, outspokenness and simple tips for managing your financial records, that’s what the book Has You Settled That? Mind your business before the trouble starts. Dany Provost explains how to become a master of financial planning, without complexity. Popular with good reason, the author’s colorful language eases the relationship with numbers and tackles with clarity subjects that may seem complicated for some. Will, couple’s budget, salary and children are among other things discussed. The watchword here: plan. The most exploited idea in this guide is that of not waiting until it is too late. Interesting and definitely different reading. Dany Provost is a personal planning expert and columnist. He specializes in employee benefits and is a respected figure in the Quebec financial community. 

19. The self-employed worker’s guide 3.1: everything to become your own boss , Jean-Benoit Nadeau

Here is The Guide for the Self-Employed 3.1: the most complete book about the self-employed. It is still worth the detour for everyone. Jean-Benoit Nadeau presents a reference book, and it’s the one you absolutely must get! Rich and written with a thoughtful touch of humour, it offers a wealth of resources, including answers to the most common questions and downloadable documents. The author not only shares his experience as a self-employed worker, but explains all the facets necessary for success in business. If that sounds dizzying to accomplish, this guide is the tool to consult. You will find answers to your questions, whether it is about incorporation (why and how to do it well), how to maintain good relations with customers,

Responses are concise and complete. There is also a section on the 13 deadly sins of self-employment, and how to avoid them. Becoming self-employed becomes accessible, less terrifying and above all, inspiring. Jean-Benoit Nadeau is a columnist for Le Devoir, a columnist for L’actualite and editorial writer for Versatile, he gives lectures and has written several books. 

20. 99 tips to get rich , collective

How to get rich intelligently, that is the question answered by the columnists of the Journal de Montreal in the collective work 99 tricks to get rich . The book makes it possible to realize that significant sums can be saved if one manages one’s finances and one’s desires well. Again here, inevitably, a reflection on our consumer society, but which is worth reading for its effective and realistic tips. Among the recommended strategies, thoughtful shopping, the one-year rule, possible savings and the art of negotiating your banking packages. Stuff that works and for all lifestyles. To read!