This is a financial literacy book that covers a wide range of personal finance subjects and can help the average person gain control of their finances. It is both entertaining and educational and is an interesting blend of money education and mindful awareness. Topics include income, expenses, cash flow, assets, net worth, credit scores and credit reports, budgets, home, and vehicle buying, as well as college/student loans, investing, taxes, insurance, retirement, and financial scams. Chapters include Web research exercises to find and use online financial tools, as well as guided examples to determine your personal financial indicators (PFIs). With over thirty hands-on exercises, the book can be considered an "encyclopedic personal finance workbook." Readers can use the Personal Financial Spreadsheet (PFS), which is available for download from the https://heuristicspress.com Website, and customize it to their needs. A print version of the PFS is also included in the book.