A book for men and women age 16 to 40. It teaches how to manage money, live better on less, be debt free, invest wisely, and prepare for retirement. Suitable for those who have limited income, are just starting out on their own, are students, are recently married, and don't want to be reliant on someone else for money. Is written in a reader-friendly style, and shows readers how to know what their finances are and where the money is going, spend money more effectively, use credit cards to their advantage, be debt free, and invest prudently.