For people starting out and families looking for a fresh approach to managing their money, this book is a no-sacrifice guide to living a richer lifestyle. Taking a real world approach to spending money, this book not only recognizes the necessity of spending, but celebrates it, encouraging readers to get everything they want out of life (without guilt) by using the free market system to their advantage. Readers will learn to be smart consumers by understanding the wealth-building potential of buying a home and reducing mortgage interest; getting around dealership mark-ups when buying a vehicle; joining buying clubs; shopping safely for bargains available through the Internet; finding the lowest fares possible for travel; negotiating prices with salespeople; taking full advantage of coupon shopping; and much more.