Understanding basic finances is one of the most important concepts that most people learn the hard way - or do not learn at all. In this book, you'll find a clear, concise description of basic finances from understanding a pay stub to preparing for retirement. Geared primarily to young adults, this book will help anyone to understand how important finances are and how to use money and credit wisely. The book also contains worksheets to help you budget, understand simple interest, set up a filing system, and prepare to set up a living will.