The Author was born in 1931 in Indonesia of Dutch parents. His biography starts from age five and covers events that were highlights in his life. The book is told as a story, drawing occasional conclusions upon reflection. Major events started with a visit to the Netherlands just before the Second World War. This war followed him and his family to Indonesia, which was occupied by the Japanese for three and a half years. All Europeans except Germans and Italians were imprisoned in concentration camps for this entire period. This traumatic environment shaped the author from age eleven to mid fourteen, the last year alone in a civil men camp and mother and sister in a then unknown prison camp for women. Father was a POW in yet another camp in South Sumatra. Upon repatriation to Holland high school started at age fifteen, culminating in attaining University Entrance at age twenty. Because of cold war circumstances he decided to immigrate to New Zealand. Auckland in 1952, apart from having two beautiful harbors, had no coffee shops or restaurants, but only pubs, milkshake bars and fish & chips shops, After ten years he became a GM Dealer Principal for a business in which he had financial control. Leaving the industry eleven years later he joined a Merchant Banking Group as Marketing Manager. This new industry provided a rich experience in business and an equally traumatic phase of being between wives. In the meantime he had been fortunate to father two sons. The author has been self employed as a consultant for most of his life, even in corporate employment his remuneration was commission only for most of the time. Activities in Australia included Management Consulting, Executive Recruiting, Investment and Financial Planning. The latter was the most rewarding activity for the last twenty-five years, the last twelve of which heading his own Investment Company. His investment advice was unusual and highly productive; many of his clients became millionaires during their retirement. For readers interested in wealth creation this book makes very interesting reading.