Personal Finance Multiplication General Ledger. Vladimir Savenok, an expert with 30 years of investment experience, tells how to reach a high level of well-being. You will learn how to achieve large material goals (apartment, teaching children, car) using a personal financial plan, manage risks in life and investments, get rid of loans, be prepared for crises and gain confidence in the future. The book is written in simple language, many examples are given from the life of real people.