Lack of financial literacy leads to the fact that no matter what our salary is, we do not know how to plan a budget, we cannot save up for our dream, we rely on a state pension and begin to live on credit. At the same time, there is an opinion that managing personal finances is too difficult and in general it is only for the rich. The purpose of this book is to prove that any person, with any income level, can improve their well-being by following simple rules. Financial consultant Anastasia Tarasova, using clear life examples, tells how to keep track of expenses and income, how to optimize your assets and liabilities, how and where to invest and save for retirement and for the future of children.