What if I told you that there is one guaranteed path to becoming rich? For five years, I studied the daily habits of 177 self-made millionaires and 128 individuals, struggling in poverty. My goal? To learn what do and what no to do. In my extensive research, I discovered there is a guaranteed path to accumulating wealth. This path does not require any unique set of skills, does not require special knowledge, does not require working oppressive hours and does not require taking significant risks. Everyone's life is a series of stages: childhood, primary school, secondary school, college for some, getting your first apartment, marriage, starting a family, etc. Money mistakes you make in one stage have a ripple effect, negatively impacting one or more subsequent stages. Make too many money mistakes and you will find yourself struggling financially, playing catch-up the rest of your adult life. Those who make the right decisions at every stage, tee themselves up for financial success. In the pages that follow, I will teach you exactly what smart money habits you should be following at each stage of your life. By following the lessons in this book, you will catapult yourself into the top 5% of individuals who are following a proven process that has only one outcome - financial independence. Book jacket.