Personal financial planning is often considered a complicated and unpleasant topic. It is ignored as long as possible, until the reality of its hold on our life becomes relevant. Unfortunately, by then it maybe a rough journey ahead. Written by an engineer who has experienced many facets of financial challenges throughout his life, sustainable concepts are presented in an easy-to-read format for those who do not have extensive financial backgrounds. This book is intended for all those who work hard to earn a living. Those who are new to the workforce, those who have seen the recent ups and downs in the economy and retirement is on the future horizon, and as those who are at the conclusion of their career and are planning to retire will all benefit from the information presented. Use the links below to purchase the books on Amazon, or click here to view the series.

As discussed in Chapter 2 in the book An Engineer's Attempt to Explain Personal Finance, the total amount of expense over one's life cannot exceed the income. While the shape in Figure 1 is a very simplified representation of income and expense, it helps visualize the concept. Below is a dynamic version of Figure 1 to help visualize the impacts of making long-term changes.

Also available are tools to supplement the discussions in the other chapters. The tools are free to use and allow you to save your work. Return often as reassessing on a regular basis is crucial to managing one's financial health. Also, we will be building more financial tools for you to use!

All tools are free to use and are being provided for convenience and entertainment purposes. The user is solely responsible for its use and application.