Personal Finance Essentials is an easy to understand, short and sweet personal finance guide. Readers can choose to read the entire book, one chapter, or even just one page. Readers that decide to read the whole book will learn the most, but merely reading the summary chapter or the one-page appendix should provide valuable financial advice to almost everyone. Rick Scott was flat broke in his mid-twenties and decided that he preferred not being poor. He aspired to learn how to achieve financial security. Scott had always known that working hard, long, and smart could make you money. He educated himself on essential personal finance concepts, which led to a revelation that you could earn lots of money merely by making wise financial decisions. Dr. Scott is an Associate Finance Professor, and he hopes Personal Finance Essentials will encourage others to achieve their goal of financial security.