This is a must read. In it you'll find: effective, practical strategies for saving, painless principles that are easily implemented, insight on money management and much more. Use this book and solve your money problems. US Commerce Department recently reported that the nation's personal savings rate was a negative 1 percent (of their total income) in 2006. It is the lowest savings rate in 73 years. WOW! 'U.S. personal savings dips to Depression-era levels' - U.S. Commerce Department. Have you attained your savings goal? Would you like to multiply your savings ability? Can your finances endure an unforeseen hardship? Do you want to take control of your financial future? Do you want strategies for accumulating wealth?