Money. We all need it and want it. But we don't know the different ways to get it, nor what to do with it once we have it. In the early school grades there are primers that teach us to read. However, throughout our school years, there has not been an effort to teach us how money works in the real world. This book is a primer that should be included in the personal library of every household. Learn how money works and how to manage it so that you can become financially independent. Bottom line: the average middle-class family does not know how to make disposable funds available to properly invest for the future. The fact is, until we understand and apply practices that eliminate or reduce on-going expenses, middle-class Americans won't begin to enhance their quality of life. We must do what is required to have disposable money available to save/invest. Broke and Don't Know It is a lighthearted and refreshing approach towards addressing financial woes. If your annual adjusted gross income is less than $92,754, you need to read this book. It identifies symptoms of being broke It provides an overview of bad debt, income taxes and excessive insurance premiums It recommends solutions This book is not meant to take the place of getting professional advice. It is being written for the sole purpose of sharing financial knowledge, strategies and insight. It is not the intent, implied or otherwise, to market, solicit or sell any financial products.