Are you tired of living paycheck to paycheck? Would you like to be debt free? We are all tired of struggling to survive in the modern world. We have failed ourselves for too long. Living out of debt is not only possible, it is achievable. With only a few changes in the way we live our lives, and some basic knowledge that we as young people ignored. We can get ourselves on the right track. This book is an easy, simple, basic, and comprehensive step by step way to a better life for anyone willing to read, and make a few changes.