Life can beat you up and reading financial books is boring. I wish I had a clear and concise book starting out. To follow sound advice and get my financial life going before taking some lumps and making mistakes. My goal was to write a book you could read on the crapper and be done before your legs go to sleep. This is solid and actionable information distilled from multiple sources. If you need or want to dive deeper into these concepts, go for it. This is a primer to launch a solid financial lifestyle. Improve upon what I cover here, but DO NOT regress.