1 9

The Mandy Money Book (U.S. Edition): Your Real World Money Guide

The Mandy Money Book (U.S. Edition): Your Real World Money Guide

$68.00 USD
$68.00 USD
Sale Sold out
Taxes included. Shipping calculated at checkout.

Your all-in-one ✨illustrated✨ roadmap to transitioning into the real world of money and life admin.
  • Perfect For High School or College Students
  • Illustrated Concepts For Easy Learning
  • 169+ Real World Money Explainers

In this Mandy Money book, you'll find (pretty much) every single thing you need to know about your money before you tackle the ‘real-world’.

Learning about your money, including the maths and boring bits, will unlock a level of freedom that will change your life. Being 'in the know about your dough' (as we like to put it at Mandy Money), is the most powerful way to put control of your life and future into your hands. 

The Research 👇

Money management has never been more complicated. From wild living costs and spending temptation everywhere, to overwhelming information, unclear investment choices, and constant red tape... Today’s financial world is full of noise, wrong turns and uncertainty.

It's no surprise that over 70% of Gen Z say they’re stressed about money, and nearly 1 in 5 have skipped meals or missed bills because they couldn’t afford them.

At the same time, experts agree that young people today have less room for trial and error, meaning early mistakes can have longer-lasting consequences than generations before.

That’s why having The Mandy Money Book on your side gives you a serious advantage. It's the all-in-one real world money guide that holds your hand through every single money interaction you will face as you transition from school into adulthood. Fully illustrated… Less words and more colour means less headache and more action as you make good money decisions, avoid dangerous consequences and learn how to navigate the complex world of money and life admin.

Is it perfect for me? 👇

Are you (or someone you know) currently transitioning from high school into the real world of money and life admin? Is the wide, complicated, and untrustworthy world of internet not giving you what you need?

Then yes, The Mandy Money Book is perfect for you. It's the ultimate companion to guide you through this transition period with peace, clarity and confidence.

Mandy Money, Your Money Smart Friend 🤠

Shipping & Returns 👇

📦 Free shipping on orders over $120 USD

  • Orders processed within 1 business days.
  • Economy postage: 3-9 business days
  • Standard Postage: 8-12
  • Express post: 3-8 business days

We post via Auspost and our 100% Carbon Neutral delivery courier partners.

Returns?

We want you to love your books, but if something’s not quite right, we’re here to help.

Change of Mind: As we’re a small local publishing house, we don’t offer refunds for change of mind. But if your book isn’t what you expected, get in touch - we’ll do our best to make it right.

Damaged or Incorrect Orders: Oh no! If your book arrives damaged or you received the wrong item, let us know within 14 days of delivery. We’ll replace it or refund you, your choice.

Email us at hello@mandymoney.com.au with your order number, a photo (if applicable), and a quick note about what went wrong.

View full details

What Will I Learn?

Money & You 🤠

  1. The Big Question... What Actually Is Money?
  2. What Does It Mean To “Learn About Money”?
  3. Why Is Learning About Money Important?
  4. How Does Money Impact My Mental Health?
  5. What Shapes My Money Mindset?
  6. What Does A Healthy Money Mindset Look Like?
  7. How Do I Build A Healthy Relationship With Money?
  8. Where Do I Go & Who Do I Ask For Help With My Money?
  9. How Does Money Contribute To An Unequal World?
  10. How Does Economic Policy Play A Role In Creating Equity?
  11. How Do We Solve Social Inequalities Using The IEEJ Scale?
  12. How Can My Money Make A Difference?
  13. What Rights Do I Have As a Consumer?
  14. What Are My Gambling Odds?
  15. How Do I Spot Scams & Fraud?
  16. What Can I Do To Avoid Scams?
  17. How Do I Access Government Services?
  18. How Do I Organize My Money & Admin Life?

Careers & Employment 🎓

  1. What Career Options Are Available To Me?
  2. What Job Or Career Should I Choose?
  3. How Do Study Loans Work?
  4. How Does The Process Of Getting a Job Work?
  5. How Do I Put Together an A-Class Resume?
  6. How Do I Write an A-Class Cover Letter?
  7. How Do I Prep For Job Interview Questions?
  8. How Do I Ace My Job Interview?
  9. How Do I Communicate Who I Am In 30 Seconds?
  10. What Skills Will I Need For The Future Of Work?
  11. What Do I Need To Look For Before Signing My Job Contract?
  12. How Do Tax & Benefits Impact My Take Home Pay?
  13. What Admin Obligations Do I Have When Starting a New Job?
  14. How Do I Interpret My Pay Stub?

Retirement ⭐️

  1. Why Do I Need To Start Thinking About Retiring, Now?
  2. What Retirement Options Do I Have?
  3. Why Should Social Security Not Be My Plan A?
  4. What Are Retirement Accounts and How Do I Set One Up?
  5. What’s The Deal With Individual Retirement Accounts (IRA)?
  6. hat’s The Deal With Employer Sponsored 401(k) Accounts?
  7. How Does Tax Impact Retirement Accounts?
  8. How Does Withdrawing My Retirement Money Work?
  9. What Do You Mean “Invest” Through My Retirement Account?
  10. How Do Funds Work As Investments?
  11. How Do I Choose Fund(s) To Invest In For Retirement?
  12. Are Retirement Accounts The Only Way I Can Invest?

Tax & Tax Returns 💰

  1. What Actually Is Tax?
  2. How Does Tax Work?
  3. How Is Tax Used In Economics?
  4. What Are Your Thoughts On Tax?
  5. What Is Income Tax?
  6. How Do I Pay Income Tax?
  7. How Much Income Tax Do I Pay?
  8. What Tax Documents Are Relevant To My Job?
  9. How Do Tax Returns Work?
  10. Why Would I Get A Tax Refund?
  11. Why Would I Get A Tax Bill?
  12. How Do I Actually Submit a Tax Return?

Budgeting 🌈

  1. What Actually Is Budgeting?
  2. What Is My Personal Financial Ecosystem?
  3. Why Am I Budgeting At School?
  4. Why Does Budgeting Become Important Once I Leave School?
  5. If I Earn Enough, Surely I Don’t Need To Budget?
  6. What Budgeting Maths Do I Need?
  7. How Do I Structure a Budget Plan?
  8. How Do I Use Excel To Budget Plan?
  9. How Do I Build A Weekly Budget?
  10. How Do I Build a Monthly Budget?
  11. How Do I Build a Long Term Budget?
  12. How Do I Budget When Things Don’t Go To Plan?
  13. How Do I Interpret Banking Data?
  14. How Do I Review My Budget?
  15. What Are Fixed & Variable Expenses?
  16. How Do I Build Fixed & Variable Expenses Into My Budget?
  17. How Do I Level Up My Ecosystem?
  18. How Do I Build a Year-Long Budget?
  19. How Do I Use My Budget In Real Life?
  20. Can I See A Budget In Action?

Spending, Saving & Real World 🌎

  1. Why Does Saving Even Matter?
  2. How Do I Set SMART Savings Goals?
  3. How Do I Build Savings Into My Budget?
  4. How Do I Become Better At Saving?
  5. How Do I *Actually* Stick To My Goals?
  6. How Do I Figure Out My North Star, My Purpose?
  7. What Expenses Will I Have At Different Life Stages?
  8. How Do I Predict & Plan My Expenses?
  9. Do I Need It Or Want It? Should I Buy It?
  10. How Do I Track My Spending?
  11. How Do I Interpret Shopping Prices?
  12. How Do Make Purchase Decisions?
  13. How Do I Shop Online Responsibly?
  14. How Can I Reduce My Spending?
  15. What Is Insurance?
  16. How Do I Buy A Car?
  17. How Much Does It Cost To Own & Insure a Car?
  18. What Is The True Cost Of Car Ownership?
  19. How Does Healthcare Work?
  20. How Does Health Insurance Work?
  21. How Do I Buy Tech?
  22. How Do I Choose A Phone Plan?
  23. How Much Does It Cost To Travel?
  24. How Do I Set-Up a Vacation Budget?
  25. How Do Exchange Rates Impact My Travels?
  26. How Do I Travel Smart?

Investing & Shares ⚡️

  1. What Actually Is Investing?
  2. Why Is Investing Worth My Time?
  3. How Do Key Investing Concepts & Terms Fit Together?
  4. What Does Investing Look Like At Different Life Stages?
  5. What Are Stocks?
  6. What Is The Stock Market?
  7. How Can Stocks Earn Me Money?
  8. How Do Stocks Change Value?
  9. How Do I Choose Stocks To Buy?
  10. When Do I Buy & Sell Stocks?
  11. How Do I Measure an Investment’s Performance?
  12. How Do I Make Sense Of Investing Numbers?
  13. How Risky Is My Investment?
  14. What About Crypto Currency?
  15. What Is a Diverse Investment Portfolio?
  16. What Is an Investment Fund?
  17. How Do I Invest Into a Fund?
  18. How Do I Interpret Investing News?

Interest & Financial Products 🧬

  1. What Actually Is Interest?
  2. How Does A Bank Work?
  3. How Do Interest Rates Impact Inflation?
  4. How Are Interest Rates Decided?
  5. What’s The Difference Between Compound & Simple Interest?
  6. How Do I Calculate Compound Interest?
  7. How Is Interest Both “Good” and “Bad”?
  8. How Do I Choose Whether To Invest Or Pay Off Debt?
  9. What Are Financial Products?
  10. What Financial Products Help Me Grow My Money?
  11. What’s a Neutral Product That Lets Me Store Money?
  12. Which Products Do I Choose For My Ecosystem?
  13. Why Are Banks Useful & Which One Do I Choose?
  14. How Do Bank Accounts Work?

Dealing with Debt 💥

  1. What Actually Is Debt?
  2. When Do I Use Debt? When Do I Not?
  3. What Are Principle, Interest, Fees When It Comes To Debt?
  4. What Is A Credit Score And Why Does It Matter?
  5. How Can I Be Smart With Debt?
  6. How Do I Recover From Debt?
  7. How Do Bank Loans Work?
  8. How Do I Get The Best Deal For A Bank Loan?
  9. How Do Credit Cards Work?
  10. How Does Buy Now Pay Later Work?
  11. How Do “Bad Credit” Loans Work?
  12. How Do I Choose The Right Debt?

Wealth & Property 🌱

  1. How Much Does It Cost To Move Out Of Home?
  2. How Do I Move Out Of Home?
  3. How Do I Pay & Split Bills With Housemates?
  4. Should I Buy My Home Or Rent?
  5. What Is The Property Market?
  6. How Do I Buy a Property?
  7. How Do Investment Properties Work?
  8. How Do I Choose An Investment Property?
  9. What Actually Is Wealth?
  10. How Does Wealth Building Work?
  11. Why Is Delayed Gratification The Key To Wealth?
  12. How Do My Choices Impact My Long Term Financial Freedom?
  13. How Do I Build An Entrepreneurial Mindset?
  14. How Can I Make Extra Money?
  15. Why Can’t My Partner Or Parents Be My Wealth Plan?
  16. How Do I Begin My Wealth Building Journey?

Take a look inside 👀

Here are 40 preview pages for you to learn more about what you can expect to learn! Get to the end and want to see more? There are 138 more essential money questions answered in The Mandy Money Book. Time to get your copy ⏱️

Everything you need in one place

A-Z Concepts

Everything you wish you learnt at school? Ye, it's in The Mandy Money Book! 168 money questions, answered... You've got support for pretty much every single interaction with money you'll have as you head out into the real world.

No Pointless theory

Real World Relevant

It's not just a bucketload of numbers and theory that will hopefully be useful one day. It's a set of super short, snappy, direct answers to 168 money questions you *will* find yourself asking over the next few years.

Convert Knowledge into action

Action Focused

Learning is fun, but action is functional. At the end of each section is an achievable 1% action step you can take to set yourself on a pathway to a financially secure future.

Headache Free Learning

Visual & Friendly

Money can be boring... That's why Mandy exists! The Mandy Money Book has colour and uncomplicated language to simplify money, making it enjoyable to learn about what is actually a fascinating topic.

Central education source

Trustworthy Education

We've been around over half a decade, helping financially empower thousands of young Aussies through our programs and resources. We only state facts and help you develop the right questioning & thinking processes to empower YOU to make good decisions.

Everyone's Favourite Money Smart Friend 🤠

  • "So helpful for an absolute nuff like myself. One stop shop for all that I’d need to know."

  • "Have been avoiding dealing with my money for so long and this made it so simple and clear and uncomplicated. Super cool visuals!"

  • "Thank you so much - I'm sure all the practical tips will be handy during internship next year and beyond!!!"

  • "Thank you so much, GENUINELY so helpful for a clueless lil gal like me"

  • "Money isn't as complicated as I thought! It was really helpful and relevant to learn more about where our money goes when we pay tax and tips on how to spend money effectively."

  • "Thanks so much, The Mandy Money Book is super informative and accessible!"

1 6

Why We Created The Mandy Money Book 🧐

When our founders left school, they thought they were ready for “real life.” But even with commerce degrees under their belt, they quickly realised something important: no one had actually taught them how to manage their own money. And the truth is, there’s no guarantee you’ll learn it either; not at school, not at university, not even in your first job.

That’s a problem. Because not knowing how to handle your money has real consequences. Too many young people skip meals or miss bills because they can’t afford them. Financial stress is one of the biggest reasons people stay stuck in unsafe jobs or living situations. It can damage your credit score, make it harder to rent a place, and turn unexpected expenses into full-blown crises.

But the flip side? It’s powerful. When you’re in control of your money, life opens up. There’s less stress, more freedom, and far more choice. You can move out when you’re ready, travel, invest in what matters to you, and say “yes” to opportunities without worrying about your bank balance. That’s why we created The Mandy Money Book, to give young people the head start we wish we had, so they can step into adulthood feeling confident, capable, and ready for whatever the money world throws at them.

Meet The Chapters...

  • Money & You

  • Getting a Job

  • Starting Your New Job

  • Ready to Retire

  • Investing for Retirement

  • Meet ‘Tax’

  • Doing Your Tax Return

  • Setting Up a Budget

  • Using Your Budget

  • Setting Up Your Savings

  • Smart Spending

  • *Adult* Expenses

  • Intro To ‘Investing’

  • Understanding ‘Shares’

  • Smart Investing

  • Meet ‘Interest’

  • Financial Products

  • Meet ‘Debt’

  • Types Of Debt

  • Property

  • Building ‘Wealth’

  • The Big Picture

  • Staying Safe & Smart

  • Taking Action

1 24

Get Two Copies for Free Shipping 📦

Buy now

Product Product subtotal Quantity Price Product subtotal
The Mandy Money Book (U.S. Edition): Your Real World Money Guide
The Mandy Money Book (U.S. Edition): Your Real World Money Guide
The Mandy Money Book (U.S. Edition): Your Real World Money Guide
$68.00/ea		 $0.00
$68.00/ea $0.00
Checkout Now 💌