Who wants to know how money works? That's not a dumb question. The real question is, who needs to know how money works? For both questions, it's the same answer ... everybody. When it comes to money, most people think the answer is that they just need more of it. Sadly, that is not the answer. If you learn how money works, you will know how to get more money, keep more money, and make money work for you. What you really need to know is how money works ... then you will know to how to have more of it. If you think that everyone has more money or seems to know more about it than you do, this is not true. Most people don't understand how money works, and most have no more than you do. There are all kinds of government-produced statistics to prove it. Because people don't understand it, they don't save money for retirement (or start early enough), or have enough for a down payment on a home, or to build a nest egg. It's why they spend too much or become payment buyers. It's also the reason most people don't talk about it. They don't want others to know how little they know. Worse yet, they don't want you to know how little they really have. Money is a big source of stress, a cause of divorce, a cause of business failures, a cause for lost friendships, and the last thing anyone will admit they don't know. A common saying is, "money is the root of all evil." If that is true, how does it provide food, shelter, luxuries and travel? Why is it used to create jobs and make charitable contributions? Money is not evil. It's the way people use it, whether they have little or lots that can cause evil, for themselves, or others. If it is the way people use it that can cause evil, you need an instruction book to avoid misusing it. It's misusing money that is the root of evil. This is your instruction book. In less than 100 pages of stories, experiences, ideas, and examples I make it simple for you to understand money so well that you can talk with anyone about it. How do I make it simple to understand? I make it plain and simple. It's not important for me to sound smart; it's important for me to help you get it, simply. Do you want to know how money gets a raise? That's pretty simple. Who doesn't want to know? Do you want to know how to be a good user of credit cards and debit cards? Do you want banks to desire you as a customer? Do you want to understand how banks think? You do. It pays to know. I hate it when someone talking to me wants to sound like they are so smart, especially smarter than me. No matter what the subject is, you can always tell when someone is trying to pull that on you. Talking about money easily make people feel that way. That's one of the reasons everybody hates to discuss it. I will not make you feel that way. With this book, you feel like you get it. What's important to you? Whatever it is, money will help you get there. Understanding money will give you freedom from stress and the freedom to make choices in life, for you and your family. My goal is to help you understand how money works. You don't have to feel embarrassed. You don't even have to ask. The real question is, "Who wouldn't want to know?"