Every day for nearly ten years, a special-cut key, called trust, allowed me to step into the lives of people representing four generations -- the silent generation, born 1919-1945; the baby boomers, 1946-1964; Generation X, 1965-1977; and the millennial generation, 1978-2000. Getting to know each one of them in their unique financial situations and finding solutions that continue to serve them well are treasured relationships that I cherish. The experience simply had to be shared to give you and others an understanding of the financial challenges in life and the basic knowledge needed to overcome them. The financial topics covered in this book are wrapped around real-life situations that allow you to identify with and learn from other people's experiences. DESTINATION POINTS is a first of its kind to deliver 'across from the kitchen table' accounts of families on Main Street who work hard for the money and do not have the resources to make the money work hard for them. Why is that? For most people, their financial journey is a struggle because personal financial planning is absent and financial education is silent in their lives. How many times have you skimmed through a book to find that only a small percentage of its contents are applicable to your situation? Financial education covers an extensive range of topics such as investing, money management, consumer credit, stocks, bonds and a host of financial and investment product solutions. Would you buy all the books about every topic of financial interest? Most likely not and you probably would not have the time to read them as well. DESTINATION POINTS delivers essential financial topics in a cohesive, chunk-style learning designed to stimulate your interest and encourage you to learn more. If you find your financial journey to be a struggle, DESTINATION POINTS makes it a little easier.