Nothing is worse than going into a situation and not being aware of what to expect. As a teen or young adult, once you face the world on your own, you have many decisions to make. The book was written so you are aware of what awaits you, whether from a bank, credit cards, the Employer, etc. Each step you take can be an easy transition, since you know what each step involves. Parents, this is a helpful tool for your young adult. This could be a wonderful Graduation Gift, or tool before they turn 18. The step-by-step journey, from applying for a job, to paycheck, spending to saving, and knowing how to budget to make ends meet, doesn't have to be difficult. Know how much you need to start out on your own Know what the Employer expects from you Know how to make sound decisions based on good information Learn how to Budget and make your own graph How is this all possible? One step at a time. Take your First Steps with confidence. Each new step takes you into endless possibilities and your future can be bright and rewarding, because you made all the right decisions from the beginning.