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This is the truth about modern savings and investments you need to know.

Your hard-earned money should be growing faster and more efficiently than if you just leave it in your savings account. All it takes is a bit of ‘know how’ an investment of time and some self-help. Shockingly, but maybe not surprisingly, your bank doesn’t want you to know about these strategies.

Whether you are saving for a ‘rainy day’, college, university, higher education, marriage, a home, retirement, to get out of debt, or simply want to learn how to begin saving and investing, this book will help you secure your personal finances.

You will learn how to responsibly:

• Plan a budget
• Save for the future
• Manage financial risks
• Invest in the stock market, real estate, property, loans, businesses, crypto currencies, and much more.

All this on a limited budget, without gambling, or risking your financial security, while avoiding financial scams.

This is not an instant ‘Get rich quick’ scheme; no one is selling any financial management products; there are no lifestyle choices to be made, and no secret mindsets to practice. However, if you are prepared to invest a bit of time, learn about financial risks, do some product research, and follow the simple, logical, financial strategies laid out in this little book, you may well end up richer over the medium to long term.

Straight forward and engaging, with simple explanations; this universal, common sense financial strategy, will work for anyone, in any country, with access to the internet, a bank account, and a computer or smartphone, whatever your financial goals.