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Let this serve as an introduction to what you need to know about personal finances that you never learned in school and probably never learned at all. Personal finance is not just balancing your income vs your expenses. It is much more than that, and even though there is more to it, once you know what it is, it actually becomes much simpler. This knowledge also makes it so that you are never poor again! Notice, I used the word poor, not broke. Poor is a state of mind as is wealth. If you have a wealthy state of mind, broke is just a temporary thing. If you have a poor state of mind, broke may be a lifelong thing. Robert Kiyosaki’s book, Rich Dad, Poor Dad, is very effective in teaching this. I highly recommend reading this book to help build a solid base for your wealthy mindset. If there is one thing that you need to learn, it is to learn how money really works. You see, money is not evil or the source of greed, and never should be, but it is more apt to be these things when you do not know how money works. Once you understand how money works, you look for ways that money will help you and others, as opposed to what you can buy and consume with it. You will also realize that you will need a lot of money when you retire and savings alone is not going to get you there.
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