It's OK to be young and broke, but it sucks to be old and poor. Saving money isn't hard, it's just intentional. You don't have to be a budget freak or a Wall Street guru. You just need to: 1.Be aware of your spending, 2.Live beneath your means (income), 3.Then invest the difference to let time work for you, not against you. This simple book provides a plan to accomplish this and put you on the road to a healthy financial future.