Take From Book "The TOTAL MONEY MAKEOVER"  

I am positive that personal finance is 80 percent behavior and only 20 percent

head knowledge. Our concentration on behavior—realizing that most folks have

a good idea of what to do with money but not how to do it—has led us to a

different view of personal finance. Most financial people make the mistake of

trying to show you the numbers, thinking that you just don’t get the math. I am

sure that the problem with my money is the guy in my mirror. If he will behave,

he can make the money thing work. The math of wealth building is not rocket

science; it is simple—but you have to DO IT!