You can't live well by accident. There never was a more important time to know how to make your money grow. But while most of us worry about how to get it, save it and invest it for the proverbial "rainy day, " the thought of "money management"-beyond balancing a checkbook-can be intimidating. It needn't. No one is born knowing how to handle money-even the most sophisticated financial planner had to start somewhere. Whether you're starting from scratch or want to learn more about money, Kiplinger's Make Your Money Grow, is for you. This guide will help you take the right first steps toward financial security. Author Theodore J. Miller, editor of Kiplinger's Personal Finance Magazine, show you how to control your monthly cash flow and size up your net worth. Once you know where you stand financially-for better or worse you can set realistic goals and build from there.