This guide provides a simple path that virtually anyone can follow to develop a more lucrative career; earn a higher income; spend sensibly without feeling deprived; plan for major purchases; control debt; avoid income tax traps; steer clear of financial disasters; invest intelligently; communicate more effectively about money with spouses, kids and parents; protect and maximise the value of assets; retire more comfortably; and achieve many other professional and financial goals. This step-by-step approach provides specific tools that are easy to use and cultivates habits that enable the reader to be financially successful.