Many people are struggling to pay their bills. And I wish this isn't true, but the statistics say it all. According to CNBC, 34% of Americans, which is over 100 million people, have zero savings, and exactly 63% of Americans, which is nearly a two-third of Americans, live from paycheck to paycheck every year, including those that earn six-figure income monthly. More so, research by Charles Schwab reveals that only 28% of American households have a financial plan to help them get through their finances, while Forbes research states that 69% of households have below $1,000 as their emergency funds which reveal the poor state of personal finance in the United States.These statistics reveal that struggling to pay bills isn't about being unemployed or underpaid; rather, it is about the high cost of living and expenses skyrocketing in the different parts of the world that cause people to be financially dependent but their inability to apply for healthy financial practices that would enable them to get past overwhelming bills and attain financial freedom. However, in the midst of it all, there are people who are living the world, financially free and secured. People who don't experience panic when the month is about to end, people who don't say, "how are we going to pay for that?" when they see the bill for an unexpected emergency because they are always prepared. There are people who will never run into debts or depend on the Government when a pandemic hits, and they miss their monthly paycheck because they don't live from paycheck to paycheck.So, what sets these people apart from those that are struggling financially?The answer is simple; these people aren't financially independent because they earn more or because they do not have expenses to foot; rather, it's because they have all the tips on how to manage their money effectively. And in this book, I'm going to be teaching you just that: all the secrets, tips, and strategies you need to manage your income effectively and become financially free. At the end of this book, you will be equipped with all the knowledge you need to attain financial freedom so when recession hits and you miss your monthly paycheck; you won't panic or put your survival in the hands of the Government, rather you will be at peace, knowing you have enough in store to foot your bills for the future. Tending to emergency situations from major issues like health and natural disasters down to seemingly trivial issues like paying for an emergency car repair won't be a heartache because you know you can foot all your bills conveniently. More so, you won't have to worry about retirement or quitting your job early to pursue your dreams because you know you've got your finances on the right track. However, I must inform you; this book isn't a get-rich-quick scheme because attaining financial freedom isn't an overnight event; rather, it's a process that requires implementing all the effective strategies and tips contained in this book.Ready to begin your journey into financial independence? Let's get started!