Are you broke? Are you drowning in debt and have no idea how to escape the debt trap? Have you ever thought that there needs to be a class called 'Life' where someone teaches basic financial principles? In this comprehensive book written in a humorous, down-to-earth, easy-to-understand language you will learn why some people get ahead in life while others are either just scraping by or falling behind. The American Dream will not be handed to you. It is there. You just have to grab it. You must navigate financial challenges, question preconceptions, and make life choices which increase your chances for success. This book is a must read for every age group. Teenagers will learn how to start life on the right foot. Young adults will learn how to get out of debt, and older adults will learn how to provide a prosperous future for themselves. This book lays out a step-by-step guide to serve as your roadmap to financial independence.