This brochure is suitable for anyone at any income level and will contribute to the well-being of many talented people. After all, we often pay attention to education, work, and loved ones, while forgetting about finances, which also need care. The author of the manual, Marat Salikhov, deals with issues of long-term financial planning, sustainable business development and the formation of a personnel reserve for Industry 4.0. Supports social initiatives related to the development of IT infrastructure and IT personnel in the regions of the Russian Federation. Participates in the activities of the International Rotary club, an association of professionals and businessmen for the implementation of humanitarian projects and the development of high ethical standards in the professional field.