Gerry Hartigan holds a Master Degree in Management. He has traveled the world and taught in many seminars and conferences the past 25 years. He wrote this book to help everyone start on the road to wealth building, starting with just $20 a month. Covering everything from creating a budget to goal-setting, to savings and investments, and numerous hints, tips, and ideas to make your money go further. In these difficult financial times we all need as much help as we can get to make our money last longer and this book has never been more timely than it is today in helping everyone start on the road to wealth-building. Start small and it will grow. Take small steps and they will lead you on the road you seek. Don"t settle for what is, instead, reach for what can be.