Millennials and Money provides practical guidance for the current generation as they address both their day-to-day financial practices as well as longer term saving and investing. The underlying theme is that the reader can effectively manage their money without professional help if they are willing to put in a modest amount of time and adhere to some simple guidelines. In fact, the original working title was “On your Own”.

In the Prologue, the reader is told a tale of both a financially successful person and an unsuccessful person as they progress from their first job through old age. That theme is carried throughout the book as the two individuals are revisited at the end of each chapter and it is revealed how each addressed the topics covered.

The book provides and orderly progression from developing sound financial practices to understanding and implementing unique and successful investment strategies. The first half of the text deals with getting one’s financial house in order. While many of the subjects covered are common to most of the self-help financial books, the manner in which they are presented and many of the recommended actions are unique. The second half is dedicated to saving and investing. The emphasis here is on safe and sound investment plans that require minimal time on the part of the reader.
Also included are related savings and investing topics.

The investment section is truly unique. It is based on more than a decade of research by the author and has been time-tested over more than 60 years of market performance. The focus is on a simple method to nearly guarantee that the reader will never get caught in a serious bear market, while keeping their money growing in the market most of the time it is going up. The monitoring process recommended takes less than 30 minutes a month. The savings and investment section could easily be a book in itself, applicable to investors of all ages.

Rather than just throwing out advice, the author has put special emphasis on financial education. Useful financial tools are presented with enough practical examples to make them understandable. The use of spreadsheets and internet resources in financial planning is emphasized.

Millennials and Money, while targeting an audience in their 20’s and 30’s, is also a valuable resource for people of any age. Parents and grandparents will find it a comprehensive guide when discussing financial issues with their children and grandchildren. All readers will discover a unique offering in a large field of self-help finance books.