How can the education system in America, or any country for that matter, use precious educational resources to force their students to study DNA sequencing or algebra II, neither of which subjects will contribute the least to the future success of 99% of the people, and then not take a little study time to teach their students how to balance a check book, what an interest rate is, or how to figure out how much of a house they can afford to buy? Gene sequencing is important to research scientists, and algebra II can be a steppingstone to higher education in math and some sciences, but most people are no better or worse off by not understanding them. This is not so about basic financial literacy. Anyone who has responsibility for managing a household, or the financial affairs of themselves or another person is better off by knowing the basics of that discipline. That is what this book is all about. This is for the person who was deprived of the basic understanding of money, and closed their mind to the possibility that it might be understandable at least enough to be useful. And understand this, some financial transactions, such as the purchase of a home or managing a business, are so important that to understand just the basics of financial management can save many thousands of dollars if done correctly.