Prior to writing this book, Shedrock Neil was forced to enroll in the school of hard knocks, where he gained valuable insight into how important it was to budget, even the little t...view morePrior to writing this book, Shedrock Neil was forced to enroll in the school of hard knocks, where he gained valuable insight into how important it was to budget, even the little that he had. The majority of the items covered in this book are based on that personal experience coupled with readings from other authors.Shedrock has a desire to help others avoid his mistake.view less