Handling your finances is like sailing. We are in contact with money daily, but many people have not learned how to handle it properly or received bad advice. It is as if we have single-handedly boarded our sailboat without the knowledge or the wrong advice on navigating it. Still, we sail across oceans full of dangers towards our destination. Imagine this beautiful tropical island with palm trees, white beaches, and turquoise water. We want to advance towards this financial goal of ours, but some people are instead drifting away by the current we call debt. In this book, you will learn to master your personal finances and metaphorically become the captain to sail toward your financial goals.

Are you ready for this adventure?

For Whom This Book Has Been Written

This book has been written so that you, regardless of your background or country, can take care of your finances.

The natural laws that make sailboats move apply everywhere in the same way. Ultimately, we are all human with the same irrational traits living in a globalized world. It has been written for everyone sailing without a clear direction across the financial ocean because it is not taught in school. It has been written for people of all ages standing before an economic crossroads, for young people who still do not know what to do in their lives, for people who have recently started working and do not know what to do with the surplus accumulating in their accounts.

It is for families that must set up budgets to pay the bills. For older people who enter retirement and do not know if their savings are enough to cover their living costs. For people struggling to pay the bills or drowning in debt. For the ones who want to make the most out of their regular salary and slowly but steadily strive to become financially independent, even without being shooting stars like Elon Musk or Jeff Bezos. It is for people who believe it does not matter how an investor should look. And for people who do not want to live in an unfair capitalistic system that does not consider the implications on the environment. Summarized, it is for normal people like you and me.

How The Book Is Structured

The book is structured in a way that it accompanies you throughout your entire financial life, from finishing school until retirement. It is based on solid research and economic concepts that will not lose correctness. You can use it as your financial encyclopedia. This book will be your anchor during life.

First, you need to rethink your attitude towards money and debt. You will set your financial goals and assess where you are today. Concepts, like expenses and income, are introduced before we charter into unknown terrain. You will feel like attending school again to understand the key financial concepts, the financial market and asset classes. Knowledge is a prerequisite for investing successfully. It will outline different routes and tips to ensure you reach your financial goals. This book will highlight six big decisions similar to river junctions on your sailing boat. You, being the captain, must decide whether to sail left or right. It will have enormous implications. After specific paths, a waterfall could follow, crashing your sailboat. Two special chapters for families and retirees round up the financial lifecycle.