A return to abundance book 3 money management personal finance education budgeting financial planning time value of money principles cash flow principles budget worksheets a self help book gubany paul l on amazoncom free shipping on qualifying offers a return to abundance book 3 money management personal finance education budgeting financial planning. Money management personal finance education budgeting financial planning time value of money fundamentals cash flow principles budget worksheets a self help book about the author paul l gubany is a keen observer of human behavior whose insights continue to astonish those who read his books and work with him. Author cary siegel first got the idea for why didnt they teach me this in school 99 personal money management principles to live by when he realized how inadequately schools had taught his own kids about handling money this book brings young people up to speed but dont overlook it if your twenties are now in the rearview mirror youre never too old to master these 99 principles. Personal finance is the most valuable self help topic it is one of the few areas of your life where simple process improvement will directly affect your money this makes personal finance books like the ones on this list incredibly valuable these books are designed for everyone they can help those who make a lot of money get a better handle on their cash flow. 31 personal financial planning and process financial planning is a way to financial security it helps people to reach their personal goals a financial plan sets a journey from present condition to the desired objective the process of financial planning in general consists of five steps