I need a good book on personal finances

I have always been pretty good with my money. I never carry any credit card debt more than a month (and that usually happens these days only because I put something on my AMEX but don't have enough in my US bank account to cover the payment until I transfer money from my Canadian account). I try not to over-spend (although I am not perfect at stopping myself from making large payments =). Overall I am basically happy with how I manage my money.

But how I manage my money only works while I am a student. When I hit the real world I don't know how what I need to do. I know I should max out my 401(K) employer matching, but should I put even more into my 401(K), or should I divest my retirement investments to prevent the issue of my 401(K) tanking? And how much does one put into retirement: 10%, 20%? How about for housing: I have heard no more than a third of my income. But are all of these numbers net or gross income? And what is an IRA?

In other words, how does one handle the expenses that one starts dealing with when they leave university (mainly a mortgage and retirement)? Does anyone know of a good book on this subject matter? Or does one not exist and this is why you pay a financial consultant to help you with this stuff?