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The benefits from increasing the level of financial literacy include more effective saving for retirement and better debt management. The increased knowledge heightens awareness on spending choices and leads to better decisions on saving and investing.​​​​​​​

Financial Success is attained by generating enough cashflow during our working years to support our lifestyles and simultaneously investing enough money to accumulate enough assets to generate our desired retirement income. Millions of Americans are not attaining personal financial success because they lose thousands of dollars annually to four (4) obstacles. ​​​​​​​

Millions of people’s income does not grow as fast as the cost of living increases (inflation), which causes them to lose real income (buying power).