STRONGLY recommend this book to every young man and woman graduating from High School or College. A very practical, down-to-earth guide to all sorts of financial issues (including budgeting, credit cards, renting an apartment, buying a home, insurance, retirement planning/401K/IRA/Roth versions, investing, and debt reduction).

Have given a half dozen copies of the first edition to first cousins once removed, and will now be giving the second edition to the next crop of friend’s kids.

This 2nd Edition has updated a lot of material, but has added important new material such as ROTH 401 plans, etc. Good job by the author.

Last Christmas-time, a year after giving a first cousin once removed (also a college student) a first edition copy of the book, I asked if they used the book. The answer was yes, it was passed back and forth to their friends, and they (the cousin and her hubby) came back from the bank after applying for a home loan and reread the chapter to understand the terms of the loan expoused by the loan officer.

This book and Dave Ramsey’s book, Financial Peace University, will assure that any young person will be well versed in how to handle money.

Five star rating. Highly recommend as a Christmas or graduation gift…. JAS