Are you overwhelmed by financial difficulties? Have you accumulated too many debts that are struggling you to death? Or have you made poor investment decisions and are now unable to enjoy money? According to a research conducted by the National Bureau of Economic Research (NBER), "the majority of Americans do not plan for a predictable event such as retirement or children's college education. Most importantly, people do not make provisions for unexpected events and emergencies, leaving themselves and the economy exposed to shocks". Four out of five American adults are faced with economic insecurity at some point in their lives, and the majority of Americans lack basic numeracy and knowledge of fundamental economic principle. There is also a sharp disconnection between self-reported financial knowledge and financial knowledge as measured by financial literacy quizzes. Even those who give their best knowledge score poorly on quizzes. Moreover, while many believe they are pretty good at dealing with day-to-day financial matters, in actuality, they engage in financial behaviors that generate expenses and fees, overdrawing checking accounts, making late credit card payments, or exceeding limits on credit card charges. Comparing terms of financial contracts and shopping around before making financial decisions are not at all common among the population. How would you like to change your financial life and protect your family from an economic disaster? In this book, you'll discover a step-by-step and easy-to-follow guide that reveals the secret to effectively save money, as well as the fundamental and basic economic principle everybody ought to know about.