I was not born with a silver spoon in my mouth.  Before going to college, my brother in law told me that you do not have to take 4 years to graduate.  He explained that you were only required to complete 120+ credit hours for a bachelors degree.  At that time, you paid a flat rate per semester and you were not charged by the credit hour.  I had to pay for college on my own.  I only had $1,000 saved from high school babysitting.  I decided I could not afford to take 4 years to graduate from college.  I successfully completed a 4 year university in 2-1/2 years.  I had already finished high school 1 semester early, since I completed the needed credits.  At age 19, I was ready to begin my professional career. After graduating from college and starting a career as an auditor, I heard a story from my brother that had a significant and emotional effect on my life.  My brother had a friend, who came from a different socio-economic background, received a $10,000 wedding gift from his family.  I couldn’t help but question how much easier my life would have been if I had started my marriage with $10,000 in the bank.  It was at that moment I decided to provide my children with a similar start, but had no idea how I could make it happen.  Ten years later, when I began to rehab property for resale and rental purposes, I decided to give both of my girls a similar start as my brother’s friend.  My children are now 20 and 28 and I have been able to provide both of them with a house and a car.  My philosophy in life is, "If you can conceive it, you can achieve it."  Realizing most companies are no longer offering a pension and knowing that 77 percent of the people don't understand finance, I decided to write an easy read book on money management and investing.  I have been talking to individuals all of my life about planning, budgeting, saving, and money management.  The book creates a way to inform individuals by the mass instead of one person at a time; a way of identifying schools, organizations, and businesses needing finance education objectives; a way to create an opportunity for the average person to not only learn about finance but to become better money managers.        I have always set goals, made a plan and worked the plan.  I believe that people get too caught up with making ends meet and they don't ever get a chance to aspire bigger dreams.  Hopefully, I will be able to interest them into saving, budgeting, and planning so that they can stop living paycheck to paycheck.  I know I won't save the world, but someone needs the information;  will apply it to their lives; and will be glad I wrote the book - Getting Started On Your 401(k) Plan.