This book is for teens and college age individuals to learn how to stay out, or get out, of financial trouble, live within their means and build a solid financial future. Learn strong money habits early and skip the debt habit typically created in the first years of financial (ir)responsibility. Avoid early debt creation by avoiding credit cards and car loans while you learn to spend and save wisely. Create real capital wealth when you learn to save early and grow your savings to income generating wealth. Remove the stress of money from your life, and add the tool of money to your financial arsenal.