Wealth accumulation is a mindset. It has little to do with where you live or work or even how much money you make. It's what you do with what you make! The United States is known as the land of opportunities. Even though the opportunities are here, many Americans are not able to participate in the growth of this great nation. Most Americans need but lack a simple but complete financial plan. This book addresses what the author believes to be the two real reasons most individuals don't get around to starting a financial plan, lack of understanding and a mindset that you can indeed do better financially. This easy-to-understand book educates the reader on the essentials of a financial plan and actions to take to get on a path and stay on the right path to financial success.The book addresses the three pillars of a financial plan and the value of savings, the importance of risk management, and the financial benefits of long-term investing. It teaches debt management, budgeting, and how to find dollars in your budget to save and invest; demonstrates the value of dollar cost averaging and investing in down markets; illustrates compound interest and how it works; and defines the basics of investing in tax-qualified retirement plans, employer matching funds, vesting, and why mutual funds are a good place to invest for the long term. The book provides step-by-step guidance and recommends the actions you should take at the end of each chapter. The book includes a reminder checklist of things to do to assist with your financial journey.This is a must-read book for the beginner and midlevel investor. It is designed to make your financial journey simple and easy. It provides everything you need to begin and continue your financial journey in one place.2

--Esau Williamson

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