Personal finance remains one of the most misunderstood subjects that significantly impact every adult's daily life. A quick internet search shows that, depending on the site, up to 71% of adults worry about where the money will come from to feed their family and still pay monthly bills. The food versus bills is unpleasant to read about, even worse to be in, yet many live this daily. If this sounds all too familiar, then money management is probably not understood, yet all can have financial freedom at every income level.