Introduction

The financial literacy among citizens in the U.S. is shameful. As a CPA I am just amazed at the dumb financial mistakes that people make on a daily basis. They are not to blame however. I blame this country's school system. We require students to take classes in advanced mathematics like algebra but don't teach simple financial skills and concepts that will help them in their everyday life. Simple things like balancing a checkbook, the difference between good and bad debt, the magic of compounding, etc.

In my opinion there 4 crucial financial areas that everyone should have under control. These are as follows:

1. Debt Management

2. Estate Planning

3. Retirement Planning

4. Tax Minimization

Each of these categories depend on each other. For example, the choices we make regarding retirement planning have a lot to do with taxes. Therefore, it best to think of this paradigm as a 4 legged table. You want each of legs to be as strong as possible in order to hold up to the financial burdens we face.

In my spare time I love reading financial books, magazines, articles, etc. A lot of material I read is based on good financial principals. On the other hand there is plenty of crap out there. Sometimes it is hard to sift the good from the bad. Well I have done the sifting for you. This website will provide you with what I would consider some of the better advice out there concerning the four topics above. Just click the tab on the left for the topic matter that you feel you need some guidance on.

If you read and implement some of the material found here in your own life I can promise you that you will be more prepared then 95% of your peers and will sleep a whole lot better at night.