Ever thought to yourself, I wish I knew that when I was younger? Or, why didn't somebody tell me that before now?! Of course, you have, most everyone has. The information about how money works in this book is that kind of information. It can help people who are just starting off on their own and need to know the importance of money management and what having good or bad credit really means. It can also be used by others to see the long-term effects of certain monetary decisions. The format answers questions with a short version of an answer and a long version. This makes the book a good reference that you can continue to use in the future to guide you when making important financial decisions.