experience as a financial counselor, investment advisor, and financial planner. This book is a user manual for your money! No matter who you are, there is plenty for you. There's stuff for broke folks to wealthy folks. This book is designed to take you from money zero to money hero. We cover the Financial Independence/Retire Early movement and tactics as well. This book is the way to financial peace, to relieving the number one stressor in our otherwise beautiful lives and relationships. It's the guide to living every day on your own terms, and never having to go to a job you no longer love, of never having to miss those important life events because, work. Maybe I'll even make you laugh once or twice. Your household is a mini-business, only the success is measured in 'happy' not some corporate financial metric. Can you trust me? Yes, you can. This book's for you. My favorite rock musician, Neil Young, once wrote a song called This Note's for You. It was a message to his fans that he wouldn't create music for big, greedy corporations or allow his music to be used in their commercials. His music was for the people. That's how I feel. That's why this book costs less than the others. I don't need the money. I've done well by learning and living through the lessons in these pages. I want you to do well. I want you to be happy, and enjoy this one life we get (as far as we know!). This book is for you. Who am I? When I was a kid, I was a huge superhero fan. I'd sit in the corner luncheonette and read comic books on my way home from school until the owner would throw me out. I didn't have the money to buy them, my parents didn't have the money to give me. I'd peek out from my bedroom at night and see my mother stressing out over a kitchen table full of bills, writing out checks and stuffing them in envelopes. Kiss your money goodbye, I heard more than once. I watched my father come home from work exhausted every day, especially as he got older. I didn't want to be the kind of superhero who could fly, be invisible, shoot lasers out of my eyes, or swing from buildings on spider webs. I wanted to be the kind that could help people like my parents. That's where the title of this book came from. Instead of paying your hard earned money out to everyone under the sun, watching each paycheck or retirement distribution fly away, you're going to welcome it back. Hello, hard earned money, let's have some fun together! I want to do that for you. The goal of this book is not to get you to pass up the things you want and love in your life. It's to show you how to get them. The goal is not money or wealth, the goal is happiness