You spend your money on things you like we all do. The new IPad just came out? You got to have it. The new IPhone was just released and you want it but you're running low on cash? No problem just put it on the credit card. You try to keep up with the Joneses and as a result you find yourself caught in the consumer trap. As you buy gadget after the gadget and essentially things that you don't really need you accumulate credit card debt and you have little in terms of savings or you have no savings at all. You never invest in assets because you're too busy investing your money in liabilities, which causes you to live paycheck to paycheck. You're tired of living this type of lifestyle because you know that you will never get financially ahead because you have poor money skills and you lack financial discipline. You desperately want to make a change and you're looking for a solution that entails a plan that will show you how to not only get out of the consumer trap, but how to become much smarter with your money so that you can invest it wisely. In his book entitled Smart Money: How To Get Out Of The Consumer Trap and Invest Your Money Wisely Omar Johnson offers you that perfect solution that you are looking for. He shows you step by step how to get out of the consumer trap and how to be "smart" with your money. You will learn how to change your mindset about money by examining and analyzing your present money beliefs and habits, changing them, and adopting a whole new mindset that will enable you to live a financially prosperous life.