The book is intended to: Be a financial literacy primer that motivates you to embark on a lifetime journey of continuous continuing education with the objective of becoming the best financial manager you have the capability to become. Be a reference book that you can use over and over again as you would use a dictionary. It's organized to be a user-friendly learning tool that you can use like a textbook. You might skim it and zero in on specific topics that grab your interest, or read it from cover to cover. Chapters are organized by functional utility. Help you start conversations with your family, friends, elected government representatives, and local school leaders about how to establish a mandatory financial literacy class in your local high school and how improving the overall level of financial literacy in your community will help create the strongest possible local economy. Contribute to development of a field of study in behavioral personal finance - a field of study that seeks to help people develop good personal financial management behavioral habits. Please visit (www.ymiyb.com). This website was set up to provide you with information that we think you might find useful but couldn't be provided in the limited confines of just this one book.