David J. Smith, business mogul, Financial Coach & Certified Financial Counselor. Solution focused, highly motivated, goal-oriented professional with over 25 years of experience in financial services, marketing, client services and business development. Resourceful problem solver with a proven ability of successful influential communication.

I am currently a business owner of over 25 years providing financial relief services for unsecured debt in addition to public speaking, financial coaching and empowering consumers on becoming financially secure. I have helped resolve over a billion dollars in debt relief and now my passion is to educate and empower others through my opinion on financial literacy.

Nothing in life is handed to you. You must set out your goals and work towards achieving them.

This book was written with the intention to educate those who feel as though they have been neglected with the information necessary to be financially savvy in a world where money matters. Unfortunately, these pointers, tips, and tools you`ll find in this book are not taught in the American education curriculum. Instead, we are taught the basics of math and forced to take intricate courses such as Algebra, Trigonometry, Calculus, & Geometry. These pointless courses are required in order to graduate from high school. Even though, most will never be used throughout life unless you pursue a career in science Aviation, or Electronics. I found it very odd that this information is held back from society.