Each of us at least once in our lives has thought about why some people wallow in luxury, while others are destined to struggle with financial problems all their lives. When we think about the reasons for this state of affairs, we think about education, mental abilities, skills, ability to plan, working methods, business connections, luck, etc. Or maybe this is not the case at all. After reading the book, you will be introduced to an original point of view. The author believes that each of us has a personal financial program that determines the level of financial well-being, and gives practical advice on changing it if necessary. The book is intended for a wide range of readers.