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The year 2008 will go down in history as the year the modern world changed financially. Our perspective on reality and money has changed and only through proper financial education can someone get back on their feet and move forward. We all are working toward a point in time where we have financial independence and security for the future. To arrive at this magical place we must get back to basics. We need to retrain our minds to understand the basic rules, strategies and theories of money management. This book''s objective is to educate the reader on the basic building blocks of money, investing, retirement planning and estate preservation, with an eye to the catastrophe that just happened to most Americans'' life savings. With the proper financial education, people will naturally acquire courage and hope for the future through their newfound "financial intelligence."