In the modern world, a feeling of happiness follows in an inextricable link with another important component - financial well-being! And if you think that happiness is not in money, this is no longer an actual position. Money is a tool for fulfilling your needs and a basis for helping loved ones. And material well-being is the result of concrete steps. The amount of income is not so important, only control over expenses and the presence of a balance are important. In the effective management of personal finances, it is important to see the possibility of building up capital - this extra "cup of coffee" - and implement it. In this book, the authors: • meticulously explore the Russian mentality and find starting points for attitudes towards money; • explain in detail that wealth is not an amount of money; • introduce the principles of financial planning of your personal life; • tell how, saving only 15% of income per month, save up for life pension provision;