40 years go by faster than you think! You only have one chance in this life on this earth, so make the most of it! On the Personal Development side, the decisions you make, your philosophy and character go a long way in determining how your journey in life turns out. It's the little simple things that make the difference in the journey you're on. On the Financial side, you can be above average in your financial success, no matter what your occupation is, and no matter how much you make! For it's not how much you make, it's the habits in your finances that make the difference! This book will help and be a great reference as you travel the journey!