Based on a people-tested and time-tested system, this book gives you detailed strategies to show you how to master your money by budgeting effectively, reducing debt, and investing wisely. It examines the reasons why we struggle with spending, borrowing, and saving, and how to get these habits under control. The book is based on 10 step-by-step principles that build upon each other, culminating in an entire system that gets to the heart of: why we spend, and how to track and control spending; the factors that keep people perpetually in debt, and how you can eliminate debt completely (including mortgage) in nine years or less; why you may not be saving as much as you'd like, and how you can velocitize your money for future wealth. Also included is a section on tax reduction which dispels the myths surrounding taxation that keep people paying more than the law actually requires.