In today's society, people are making more money than any other time in history. However, over 75% of Americans have less than $500 in savings. The same percentage of people have over $20,000 in credit card debt.

These statistics exist because families and individuals are missing the basic principles and processes of personal finance. Basic Financial Steps was written to help provide a template and road map of how to manage your personal finances for the everyday person. No matter what age group you fall into or where you currently are in life, this book will give you proven principles and processes that will transform your financial situation and put yo on the path to perpetual wealth.

You are invited to read, learn, and apply the principles in this book to your life. But, your commitment is an essential component to making them work for you. If you have dreams of a lifestyle you have yet to experience, desire for your family to have discretionary income to enjoy vacations, hobbies, and activities, or just want to become a better manager of your money, this book is for you!