Everything You Ever Really Needed to Know About Personal Finance

The cover of this document tells you the whole story. Everything you really need to
know abut personal finance can be summarized in just one page. Spend less than you
earn. Earn more. Live frugal. Do something sensible with the difference. Control your
own destiny. All of the other writing out there on personal finance is just details.

In fact, the rest of this document is just details. What you'll find in the rest of this
document is a lot of additional detail about the points made on the cover. Beyond that,
this document is heavily footnoted. If you're reading this document on a computer, you
can click on those footnote numbers and immediately jump to online resources that
expand upon that point.

The hardest part of personal finance is just having the courage to take that first step.