Dave Kinzer


Is there a more hated word in the world of personal finance? Probably not.

Most financial experts, while acknowledging that budgeting isn’t exactly fun, would say it is an important, or maybe even a crucial part of every successful personal finance plan.

Almost everyone else, however, leans toward the opinion that budgeting is a drag.

Not Jim Miller, though. His book, “Budgeting Doesn’t Have to Suck: For Young Adults Who Want More Money,” was first published in 2013. I recently read the second edition, published in 2020.

It’s a quick and easy read at an even 100 pages.

The first thing to emphasize about this book is that it will not teach you how to budget. Rather, Miller seeks to convince you that budgeting is worth your time and a smart thing to do.