With our aging population, the escalating cost of health care has already taken away 45-50% of the budgets of most Canadian provinces, and because so many North Americans maintain an unhealthy lifestyle the numbers are only likely to rise. So what does that mean for retirement? North Americans may not be able to rely on the government for a steady pension. Already the public pension and welfare payments offered by the Canadian and American governments make it nearly impossible to live comfortably; imagine how further strained budgets might exacerbate the situation. We need to take retirement savings into our own hands. I believe that the majority of society's woes, such as crime, family break-downs, and health issues, are mainly caused by money problems. For this reason I am dedicated to teaching people how money works. If people are able to keep more of their money and successfully manage their finances, they can prevent a lot of financial stress. And having less stress enables people to lead happier, healthier lives. I'm passionate about coaching people know the factors that keep them from achieving their financial goals. I want to help people better manage their relationships with bankers, insurers, and taxmen so they can keep more money for themselves. Think of me as your money coach. I'm here to alleviate the financial challenges facing most North Americans, who are struggling in one of the richest continents in the world. But the reality is 5% of the world population owns 90% of the wealth, leaving the remaining 95% with only 10%. This is not by accident, social engineering through government design, or the "Almighty" God. The biggest thing holding you back is you. This book contains articles that provide most of the answers for the majority of 95% who aspire to join the top 5%. Through this book I hope to empower people to take control of their personal finances and make their money work for them, rather than for banks, insurance companies and tax agencies.