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How to Money

Your Ultimate Visual Guide to the Basics of Finance

Jean Chatzky, Kathryn Tuggle, and the HerMoney team; illustrated by Nina Cosford

Roaring Brook Press

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ISBN10: 1250791693
ISBN13: 9781250791696

Trade Paperback

256 Pages



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There’s no getting around it. You need to know how to manage money to know how to manage life—but most of us don’t! This illustrated guidebook from New York Times bestselling author and financial expert Jean Chatzky, Kathryn Tuggle, and their team at HerMoney breaks down the basics of money—how to earn it, manage it, and use it—giving you all the tools you need to take charge and be fearless with personal finance.

How to Money will teach you the ins and outs of:
-creating a budget (and sticking to it)
-scoring that first job (and what that paycheck means)
-navigating student loans (and avoiding student debt)
-getting that first credit card (and what “credit” is)
-investing like a pro (and why it’s important!)

All so you can earn more, save smart, invest wisely, borrow only when you have to, and enjoy everything you've got!


Praise for How to Money

"Where was this book when we were teenagers?"Real Simple

"Financial advice and guidelines for young people taking their first hesitant steps into 'Adultville.' Encouraging, empowering, and up to date."Kirkus Reviews

"This useful financial guidebook for teens is appealingly illustrated with accurate, accessible, and timely content."Booklist

"Conversational and contemporary, this engrossing guidebook by Chatzky, Kathryn Tuggle, and the team from the HerMoney website addresses financial issues. . . . A resource for any gender, this engaging guidebook functions as an informational text, supplement to a personal finance course, and research tool. [A]n excellent addition to the school library’s self-help collection."School Library Journal

Reviews from Goodreads


Read an Excerpt



You Can’t Really Learn to Manage Money until You Get Some

Somewhere along the way, someone—someone older, let’s be honest—said to you: Time is money. And maybe you thought:...

Listen to an Excerpt from the Audiobook

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About the author

Jean Chatzky, Kathryn Tuggle, and the HerMoney team; illustrated by Nina Cosford

Jean Chatzky is CEO and co-founder of HerMoney, the author of over a dozen books, an award-winning magazine columnist and host of the HerMoney podcast. After decades of reporting on personal finance — including 25 years on the Today show — she knows that now more than ever, a successful financial life is within every woman’s grasp — and with the HerMoney team, she’s on a mission to help you get it. In her free time, Jean loves running, finding new ways to use her sourdough starter, and cooking for friends. Raised in the midwest, she now lives in Philadelphia with her family and new pup. Find her on Twitter and Instagram.

Kathryn Tuggle is Chief Content Officer and Gracie-Award winning Editor-in-Chief at She produces the HerMoney Podcast and co-hosts its popular mailbag segment. Originally from Birmingham, Alabama, Kathryn has spent the last two decades writing and editing for magazines, television and websites in New York. When she’s not educating women about their money, Kathryn can probably be found thrift store shopping, teaching a yoga class, or browsing bookstores in Paris. Find her on Twitter, Instagram and TikTok.

HerMoney is an inclusive digital media company focused on improving the relationships women have with money. We’re on a mission to level the playing field for financial security and power by providing financial coaching and educating our community on: how to know what fair pay is and how to ask for it, how to invest and grow wealth, how to talk to our friends and family about money, how to use our voices to create change, and so much more. With our website, weekly newsletters and HerMoney podcast, we provide judgement-free information that’s more than just numbers. Because when you understand money, you gain confidence and freedom, which is exactly what we want for everyone reading How to Money. We can’t wait to have you as part of our community at!

Nina Cosford is a freelance illustrator based in the UK. Her work mostly focuses on storytelling - particularly female-centric themes - and has amassed a global audience of over 350,000 followers. She has illustrated over twenty published books and has collaborated with numerous brands including Apple, HBO, WaterAid, TATE, Google and Netflix. She also loves to travel and draw her way around the world - recording people, places and cultures in her sketchbook wherever she goes.