Part 1, “The Real World,” helps you know what to do financially when you’re just starting out. This section will help you with everything from whether to participate in your company’s 401(k) or 403(b), deciding whether you need an automobile to get around and what kind to buy, how to select and use credit cards, and what to do about debt. This chapter is a buffet of advice for new graduates at the beginning of the race.

Perhaps some of the most exciting events in your life are covered in Part 2, “On Your Own and Loving It.” You can add the following topics to your buffet with this section: your first job, creating a budget, searching for a different job, determining what you need, and evaluating your saving and spending habits.

Part 3, “Coasting Along,” gives you suggestions on investments, taxes, continuing education, and insurance, as well as some friendly advice on fun stuff like vacations, your own apartment, and whether to buy an iPhone.

Part 4, “To Everything there is a Season,” is all about change. Whether planning a wedding, setting up a home office, looking at alternative investment options, or seeking professional help, this section will carry you a long way through some major life changes.

Part 5, “So You’re Thinking of Buying a House,” addresses all your concerns about purchasing a home … from what you can afford to building vs. buying, and everything in-between, like types of mortgages and how to select a real estate agent. Toss in taxes and insurance and you’ll find a whole package of home related advice that no beginning home shopper should be without.

In your 20’s or 30’s? This is one book you need to read cover to cover. If you’re older, bet you know somebody who needs this book, maybe even your own kids. Wedding or graduation coming up? Forget the dishes and the briefcases … give the happy couple or new grad this book, a book that will save them thousands of dollars and protect them from a multitude of heartaches.