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Finance and money management is something that Richard Green has studied since high school and he made a firm decision to major in finance when he got to university. He was interested in helping people to learn how to budget more wisely and in the long run live a life that is debt free. He not only learned from books but also learned from the mistakes that others made. From all of this one thing stuck in his mind, which is to be debt free one has to remain up to date with all the changes that are taking place. Richard starts out by giving an overview of why debt is an issue and gives some basic pointers on how debt builds up. Of course he could not include everything in this book but he does give enough information that you will be able to start clearing up your debt while learning more information about the process. A lot of individuals think that they will never ever be able to get out of debt. Thankfully Richard has put together a book that offers viable solutions to that problem. With time the problem of debt can be solved.