Overview

This book was written to help you get a net worth with which you can be happy. It was written for the person just starting out, who is just beginning to make money and who wants to use that money wisely. It assumes that you aren't a millionaire -- many finance books have already been written for rich people. Your net worth is simply what you are worth in terms of money. Too many of us have a negative net worth or very little positive net worth. If you've just graduated from college or from high school, you probably haven't gotten very far in building the wealth that you would like to have in the future (or now!). This book was written to help you get a net worth with which you can be happy. It was written for the person just starting out, who is just beginning to make money and who wants to use that money wisely. It assumes that you aren't a millionaire -- many finance books have already been written for rich people. Following the advice in this document won't make anyone rich, but it should help many people. Some risk is involved, but the advice should be sound. You, of course, will have to decide whether to use this advice. You certainly don't have to invest in a mutual fund at Fidelity, T. Rowe Price, Vanguard, or anywhere else. And, of course, I am not responsible for any losses that a mutual fund or other investment may suffer. You make your own investment decisions, and you have the responsibility for them. This book also contains many anecdotes from my life. Money is important, but so enjoying life.

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"It was a dark and stormy night. Suddenly a cry rang out, and on a hot summer night in 1954, Josephine, wife of Carl Bruce, gave birth to a boy - me. Unfortunately, this young married couple allowed Reuben Saturday, Josephine's brother, to name their first-born. Reuben, aka ""The Joker,"" decided that Bruce was a nice name, so he decided to name me Bruce Bruce. I have gone by my middle name -- David -- ever since. Being named Bruce David Bruce hasn't been all bad. Bank tellers remember me very quickly, so I don't often have to show an ID. It can be fun in charades, also. When I was a counselor as a teenager at Camp Echoing Hills in Warsaw, Ohio, a fellow counselor gave the signs for ""sounds like"" and ""two words,"" then she pointed to a bruise on her leg twice. Bruise Bruise? Oh yeah, Bruce Bruce is the answer! Uncle Reuben, by the way, gave me a haircut when I was in kindergarten. He cut my hair short and shaved a small bald spot on the back of my head. My mother wouldn't let me go to school until the bald spot grew out again. Of all my brothers and sisters (six in all), I am the only transplant to Athens, Ohio. I was born in Newark, Ohio, and have lived all around Southeastern Ohio. However, I moved to Athens to go to Ohio University and have never left. At Ohio U, I never could make up my mind whether to major in English or Philosophy, so I got a bachelor's degree with a double major in both areas, then I added a Master of Arts degree in English and a Master of Arts degree in Philosophy. Yes, I have my MAMA degree. Currently, and for a long time to come (I eat fruits and veggies), I am spending my retirement writing books such as Nadia Comaneci: Perfect 10, The Funniest People in Comedy, Homer's Iliad: A Retelling in Prose, and William Shakespeare's Hamlet: A Retelling in Prose. If all goes well, I will publish one or two books a year for the rest of my life. (On the other hand, a good way to make God laugh is to tell Her your plans.) By the way, my sister Brenda Kennedy writes romances such as A New Beginning and Shattered Dreams."

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