Would you stand on the street on payday and hand your money out to every stranger passing by? Of course not—you worked hard for that paycheck! But that's exactly what many of us are doing. Our spending habits and financial inexperience are two big reasons why we struggle week after week, month after month and year after year. This book will teach you how to overcome these issues, setting the stage for a solid financial future. You will discover how to significantly cut your personal costs, your #1 wealth-building tool and how to increase it, the different kinds of debt and how they work, tips for personal finance and budgeting ideas for your success. You'll learn whether renting is better than buying a home, how taxes and fees are keeping us in the poorhouse, and the physiological reasons driving us to consume. By the time you're done reading, you'll have a good idea of the changes you need to make to ensure your financial security and freedom.