This is a "how to" or "self-help" book for adults lacking financial knowledge, young adults starting to settle down and the youth so that they can all have something saved for their future and that of their children. This book is meant for ordinary people who are trying to make the best of their permanent, part-time or temporary jobs, laid off periods, in retirement and small businesses. It is meant for people who do not like figures, graphs and formulas that are contained in textbooks. It is for reading while waiting, traveling, reference whenever and wherever, E-book readers and libraries.