Money

Spending It, Saving It,

and Growing It

The purpose of this chapter is to make you

rich. If that fails, then at the very least I

hope this chapter will give you some

understanding of the basic principles of

money management, the tools to make

sound financial decisions, and ideas on

how to avoid wasting your hard-earned

money. Not surprisingly, there is a good

amount of mathematics to learn along the

way, but when it comes to financial matters,

mathematics alone is not sufficient. As a

complement to your understanding of the numbers, to

be a good money manager you will need a dose of

common sense, a dash of skepticism, and plenty of selfdiscipline.