Whether you’re a student working a part-time job, or you’re working the 9 to 5 grind and trying to save for a down payment on your first house, this guide will give you the information you need to get your finances in order. It’s not difficult to be financially secure or independent -- you just need a bit of self-discipline and the right strategies to get there. Even Warren Buffett says you don’t have to be a genius to build wealth – "There seems to be some perverse human characteristic that likes to make easy things difficult." If you have the right tools and information, you’ll sail through economic downturns and rising inflation. You won’t even panic if you lose your day job