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Using practical experience and discussions with numerous patients, doctors, and attorneys, as well as the Wall Street Journal, I have pieced together a workingman's guide to financial matters. It is written in a simplified manner which is easy to understand and without any technical jargon. It is compiled in a matter such that one can address any problem in any order, yet be fully informed by the time one reaches the end of the book. The object is to increase your wealth while not starving to death or depriving yourself of the pleasures of life. However, you may have to give up that daily $3.00 cup of StarbucksT coffee for a cheaper blend OR go to Starbucks less often.