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There are many things that a person can learn about finances, but there are only a few that every person should know. Michael Stephen Dow has found that handful and makes the information easy to understand, even for a 12 year old. In this book, you'll learn how to calculate the amount of money it costs for you to live per day. You'll also learn about the time value of money, your abilities and how you can further develop your skills to be more marketable in our global workforce. May the ideas in this book be taught to every young adult.