Personal Finance for the Real World

Stop fearing
your finances.
Start owning them.

Most people are never taught personal finance — yet feel shame for not knowing the answers. Face Your Financial Fears by Jake Cousineau changes that. Your financial future starts with one decision — this is it.

New
Book
Face Your Financial Fears by Jake Cousineau

Two books. One mission.

Jake has written two books on personal finance — one for building your foundation, one for confronting what's holding you back.

How to Adult by Jake Cousineau
First Book
How to Adult: Personal Finance for the Real World
by Jake Cousineau

The essential foundation for young adults entering the real world. Uses storytelling, analogies, and real examples to make personal finance approachable — covering everything from budgeting to buying your first car.

Budgeting basics Taxes & credit College costs Investing 101
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Personal finance, finally made personal.

Is getting your finances in order always on your to-do list — but never quite getting done? Do you feel guilty about your money habits, overwhelmed by the thought of addressing them?

Jake Cousineau's Face Your Financial Fears helps you understand your financial situation, provides actionable steps to address your money problems, and sets measurable goals that are relevant to you.

Drawing on years of teaching personal finance in the high school classroom — and valuable life experience as a young professional — Jake covers everything from compound interest and mutual funds to Roth IRAs and insurance deductibles.

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Jake Cousineau
Jake Cousineau
Personal Finance Author & Educator

Topics covered in Face Your Financial Fears

Each chapter contains straightforward explanations, practical examples, revealing anecdotes, and hands-on tools to jump-start your personal financial journey.

Banking Basics

Understand checking vs. savings, interest rates, and how to choose the right bank account for your life stage.

Investing Fundamentals

Demystify stocks, index funds, and mutual funds — and understand why starting early makes all the difference.

Retirement Planning

Roth IRAs, 401(k)s, and compound interest explained in plain language, with action steps you can take today.

Insurance & Risk

Health, auto, renters, and life insurance — what deductibles actually mean and how to avoid being underinsured.

Credit & Debt

Build and protect your credit score, manage debt strategically, and understand when borrowing makes sense.

Your Financial Roadmap

Set measurable, personalized goals and build a budget that actually works for your real life — not a textbook example.

As Featured In

What people are saying.

From educators and podcast hosts to everyday readers who finally feel in control of their money.

"

An essential resource for any high school graduate or college student who needs to prepare for the financial realities of adulthood.

— Educator Review
"

Jake makes complicated topics like Roth IRAs and index funds accessible to anyone — not just finance majors.

— The Stacking Podcast
"

Finally a personal finance book that acknowledges the emotional side of money — shame, fear, and overwhelm — not just the numbers.

— NGPF Podcast

Common Questions

Have more questions? Reach out directly at jake@htapersonalfinance.com

Who is this book for?
While I hope people will read this book when they are young, How to Adult is meant for anyone who needs a foundation in personal finance. Although it covers simpler topics like basic banking, it also covers Roth IRAs and index funds — topics the majority of adults can't competently explain.
Do you offer bulk pricing for teachers?
Yes! If you're interested in purchasing a classroom set, email me at jake@htapersonalfinance.com and I'll get you a quote. I love supporting educators bringing personal finance into the classroom.
Is there a digital/ebook version available?
Yes — the book is available in both print and digital formats through major retailers. Click "Buy Now" to see all available options.
Can Jake speak at my school or event?
Absolutely. Jake is available for speaking engagements, workshops, and classroom visits. Reach out via email to discuss availability and topics.

Work with Jake

Whether you're looking for 1:1 coaching, a speaking engagement, or classroom resources — Jake would love to hear from you.

1:1 Coaching Inquiry

Jake offers personalised 1:1 coaching sessions to help you work through your financial goals and fears. Fill in the form and he'll be in touch.

Not financial advice — coaching focuses on financial education and accountability.

Speaking & Events

Classroom visits, school workshops, and speaking engagements on personal finance.

Request a booking →

Educators & Classroom Sets

Bulk orders and special school pricing for Face Your Financial Fears.

Get a quote →

General Inquiries

Anything else? Drop Jake a direct email.

jake@htapersonalfinance.com
Are you ready?

Your financial future starts with one decision.

Join thousands of readers who've used Jake's clear, actionable framework to take control of their money — without the shame or stress.

Buy Face Your Financial Fears Buy How to Adult on Amazon Available in print and digital formats