4The goal of this book is to raise the level of awareness as is it relates to the topics of financial literacy and financial discipline. The recent Pandemic relating to the Covid19 virus, has opened the eyes of most Americans and especially business owners in a way never before imagined. In estimated 50% or more of business owners were unprepared to survive more than 30 days with no business income as a result of restrictions imposed by the U.S. government. Millions of Americans found themselves without employment due to restrictions which allowed only "essential workers" to report to work. It is the authors opinion that a spiritual revival relating to effective personal money management is needed in the United States of America. This opinion is based on many factors and research studies that prove that the average American is not savvy when it comes to saving and investing after-tax take-home income. As we take a closer look at the subject of financial literacy, a research study in 2016 discovered that nearly two thirds of Americans polled by a five questions survey relating to basic financial issues, could not comprehend nor give a correct answer to the questions. (one of the five questions asked the participants to calculate compounded interest over a twelve-month period). No one or group is exempt from poor financial management, however the two groups that suffer the most are the poor and elderly. A 2018 Census Bureau report revealed that an estimated 38.1 million Americans were living below the poverty level. Of this group, nearly 25 million Americans were of age 60 or older. It is not until you reach the age of retirement that you fully understand that the temporary satisfaction you received from spending 100% or more of your weekly income does not come close to the pain and depression of living your last days in poverty. The book gives an overview of the understanding of money and spending habits and culminates in the last chapter with the intr