Warning: this is the book that financiers DO NOT want you to read. All you earn is used to pay? Your salary is not enough? As much as you work, you never live as you want? This is all because you are making basic mistakes which you are unaware of. Here I will explain why this is happening to you. You do not need to know economics, finance, or be an expert in the Stock Market to understand it. This book is written in the simplest and most realistic language possible, adapted for all audiences.