In this book the authors explore the Russian mentality and find the starting points of the relationship to money; - explain in detail that wealth is not a sum of money; - introduce the principles of financial planning for your personal life; - tell how to save only 15% of your income per month , save up for a lifelong pension; - they explain why you shouldn't keep money in a bank, and the bank under your pillow (or you can, but in foreign currency); - they consider the mechanism of mortgages and credit loans; - they help you conduct your own financial self-analysis based on the Material Matrix Welfare - and adjusting your financial reality to future plans and "wants"; - teach you to adequately define financial goals, calculate and achieve them. You will be able to expand your financial horizons with the help of: - proven financial strategies; - successful investment mechanisms; - individual financial planning; - analysis of potential opportunities and needs.