Nobody really teaches us how to plan or invest when we're younger-or when we're older, for that matter. The good news is that it's never too late to start. The Procrastinator's Bible for Financial and Estate Planning Success: Nine Essential Steps can get you started by teaching you to:Define your real risk tolerance or "financial DNA" Record your personal information, estate planning, and investment asset detailsPrepare a detailed budget, cash-flow, and net-worth analysisCreate a retirement budgetImplement a system to keep track of your investments and cost basis Frank J. Eberhart's nine essential follow-up steps can help you understand how investments work, get organized, develop and implement an estate plan, and set concrete, realistic goals. The more you learn, the more you earn-and the more you keep!