Why is it that some people who earn huge incomes always seem to be strapped for money while others with modest incomes manage to enjoy a surprising degree of financial independence? The answer, says respected financial planning authority James A. Barry, Jr., is that smart, savvy money management always has been and always will be the most important factor in achieving the complete financial freedom that everyone dreams of. This book - which cites numerous cases of people who have doubled and tripled their net worth through the financial decisions they've made - explains how you can launch a strategic long-term plan that will develop and enhance your money power regardless of your income or current level of wealth! What's more, with the help of the author, you'll learn how to select and effectively carry out a plan that's specifically geared both to your own definition of "financial freedom," which varies from individual to individual, and to your own particular "comfort zone" in balancing risk against reward. Discover how to make a financial plan that's right for your current situation - and know when and how to change it as your circumstances change; how to employ one simple mathematical formula that will show you which money management strategies will double your capital over time; where you can find investment opportunities today that offer a total return of 12-plus percent or better!; how to use your tax returns as a financial planning tool; how to choose - and manage - financial advisors, making sure that all the decisions they make are in your best interest; how to buy insurance programs that will protect you without bankrupting you; how to manage higher education costs; plus, how to capitalize on annuities and pension plans... find tax advantaged investments... buy property for maximum gain... plan for a comfortable retirement... and protect your assets through proper estate planning.Written in clear, easy-to-understand language brimming with charts, tables, and worksheets to guide you through every step of the financial planning process, this comprehensive book shows you how to make your money work as hard for you as you work for your money!