Why Are We in Financial Trouble? According to a recent report by the Federal Reserve the average American is $100,000 in debt, while having less than $5,000 in savings. It is further indicated that most credit card holders carry an additional financial load of $4,453. If this news is not bad enough, it is reported that 44% of Americans when faced with an unexpected emergency cannot pay such an expense; thus, adding more to their debt. With these alarming facts, it is a must that you start mastering your personal finances. That is the purpose of this book. With no more debt and living his dream on the Caribbean Sea, the author will provide you with the tools that he used so that you can master your personal finances and live with a peace of mind. What Is "Mastering Your Personal Finances" Anyway? Mastering Your Personal Finances is about choices. Many people, even those with a college degree, do not know how to get control of their finances. In many cases they were not taught the basics. Author Steven "Craig" Best explains personal finances in a simple and straight-forward manner so that anyone can better understand how to take control over his or her own financial destiny. At the age of twelve Craig began learning the basics of personal finance by way of a newspaper route in which he was personally responsible for the collection of the subscription fees, a common practice during those days. At the age of 21 Craig started his own company that would grow to employ 75 employees. By the time he was 37-years-old he was semi-retired. Throughout the years Craig has placed into practice many of the concepts that are offered within this book, and now he is enjoying the fruits of his labor in a city located on the Caribbean Sea. Master Your Finance and Obtain a Peace of Mind The concepts you will receive from How To Master Your Personal Finances will easily cover the cost of this book. More importantly, the concepts you will receive from this book will allow you to master your financial destiny so that your mind can be free from the worries of what-ifs in life. You deserve to have a peace of mind.