TL;DR: Financial Literacy Series of Books

You know you need to learn more about personal finance in order to make financial decisions, but you just find it too overwhelming, too intimidating, and too time consuming. These books were written for you, giving you the basics in an hour or two, and then directing you to further resources (for all the books in the series; for scenario links, see the specific state book below) if you’d like to learn more.

These books aren’t about “getting rich quickly” (not that there’s anything wrong with that), but about gaining knowledge and building your capacity in order to live a good life. What’s a “good life”? I don’t know, everyone’s definition is different. What’s important is that you take the time to define what a good life is for you, and then align your financial decisions with that.

I say “books” because that’s what Amazon calls them, but they are more like really long blog posts. I wrote them because finances and financial decisions are such a huge part of everyone’s life that they should take the time to thoroughly educate themselves. Since many folks won’t do that, these books are an attempt to quickly give them the basics and hopefully encourage them – and give them the confidence – to learn more. All books are available in Kindle and Paperback versions. The great thing about the Kindle version – in addition to the instant download – is that if you have Kindle Unlimited, you can read it for free.

I am not a financial planner. I have taught students mathematics and computer science for over thirty years, but have no formal training in personal finance or investing, and no certifications. I am simply a lifelong learner, constantly curious, and have been interested in personal finance since working in a credit union during high school and college, and continued to be curious and learn more about finance during my career as a public school teacher. Over my years as a teacher, I discovered that not only did my students not know much about personal finance, but neither did my family, friends and colleagues (I often served as a resource for those folks).

Partially as a result of that experience, I see the necessity for a book such as this, as I wanted to do my part to try to help others become financially literate. While it would be nice to make a little bit of money from this, that’s not really my expectation or my goal. This is a passion project for me. I hope folks find it helpful. If you do buy it (or read it for free), it would be helpful if you could leave a review on Amazon and/or email me at karl@fischlearning.com a “testimonial” that I can add to this website.

By the way, I’d humbly suggest that the young adult version is an excellent graduation gift for high school or college students, and the employees of public school version is an excellent gift for any teacher in the respective state.

TL;DR Cover Image

TL;DR: Financial Literacy for Young (and Not-So-Young) Adults is just the basics, in about 30 pages, and is broadly applicable to almost everyone.

This is an excellent book focusing on essential personal finance decisions. It is particularly helpful to the many young adults (20 somethings) who are just starting out in their adult lives and careers. Being the parent of 2, 23 year olds, I know first hand it contains information they want and need at this important stage in their lives. It is also written in a style that makes it easy and enjoyable to read. 30 pages that could make a huge benefit in the rest of their lives. The information can be found elsewhere but the convenience of having it boiled down to these essentials is wonderful.

– Dianne, Parent, Lexington, Kentucky

TL;DR Colorado CoverTL;DR: Financial Literacy for Employees of Colorado Public Schools includes all the content of the young adult book in Part 1, but then adds about 70 more pages in Parts 2-4 specific to employees of public schools in Colorado. These pages focus on how to optimize your financial decisions (discussed in Part 1) based on your PERA and school district benefits.

Link to Colorado Scenarios

Listen to Karl on the Teach and Retire Rich Podcast

Karl created an easy to read and easy to understand retirement planning book for Colorado educators. Previously, I recommended the Simple Path to Wealth for my teacher friends. Now, I will recommend “TL;DR: Financial Literacy for Employees of Colorado Public Schools.” I wish every Colorado teacher would read this book!

– Ben, Teacher, Fort Collins, Colorado

TLDR Illinois Cover ImageTL;DR: Financial Literacy for Illinois Teachers’ Retirement System Members includes all the content of the young adult book in Part 1, but then adds about 90 more pages in Parts 2-4 specific to employees of Illinois public schools. These pages focus on how to optimize your financial decisions (discussed in Part 1) based on your TRS and school district benefits. Watch the book trailer.

Link to Illinois Scenarios

Write a review on Amazon or email me your review.

TLDR Iowa Book Cover Image

TL;DR: Financial Literacy for Employees of Iowa Public Schools includes all the content of the young adult book in Part 1, but then adds about 80 more pages in Parts 2-4 specific to employees of Iowa public schools. These pages focus on how to optimize your financial decisions (discussed in Part 1) based on your IPERS and school district benefits. Watch the book trailer.

Link to Iowa Scenarios

This book fills in a massive gap for educators in Iowa. We spend so much time focused on how to be the best teachers we can, we often do not dig deep into how to invest and prepare for retirement. This is a quick read and should become a staple for HR departments to suggest to teachers. It is broken down in easy to follow sections and provides examples for readers to make sense of the content. The investment in the book will be made up quickly with the financial literacy gained by the reader. A must buy!

– Kim, Iowa Educator

TL;DR Maine Cover Image

TL;DR: Financial Literacy for Teacher Members of MainePERS includes all the content of the young adult book in Part 1, but then adds about 80 more pages in Parts 2-4 specific to employees of Maine public schools. These pages focus on how to optimize your financial decisions (discussed in Part 1) based on your MainePERS and school district benefits.

Link to Maine Scenarios

Write a review on Amazon or email me your review.

TL;DR Pennsylvania Book Cover

TL;DR: Financial Literacy for Employees of Pennsylvania Public Schools includes all the content of the young adult book in Part 1, but then adds about 120 more pages in Parts 2-4 specific to employees of Pennsylvania public schools. These pages focus on how to optimize your financial decisions (discussed in Part 1) based on your PSERS and school district benefits.

Link to PSERS Scenarios

Write a review on Amazon or email me your review.

TL;DR: Financial Literacy for Employees in the Wyoming Public Employee Pension Plan includes all the content of the young adult book in Part 1, but then adds about 80 more pages in Parts 2-4 specific to employees of Wyoming public schools. These pages focus on how to optimize your financial decisions (discussed in Part 1) based on your WRS and school district benefits.

Link to Wyoming Scenarios

If you are part of the Wyoming Retirement System (WRS) purchase this book IMMEDIATELY! This book is a must read for everyone, even if you aren’t part of the Wyoming Public Employees Pension Plan. The authors provide information about financial literacy that is applicable to everyone and guides the reader in optimizing your WRS benefits. Highly Recommended!
– L.W., Wyoming Teacher

An eight-minute video that explains the importance of becoming financially literate - and why you might consider reading one of these books.

If you’ve already purchased and read any of the books, I would really, really, really (did I mention really?) appreciate it if you’d be willing to spend between one and five minutes to give me some constructive feedback. It would also be wonderful if you left a review on Amazon.

Have a question?

Email me
Karl@FischLearning.com

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