I got Ramit Sethi’s, a personal finance blogger gone book author, new read a few weeks back and had the pleasure of leisurely siphoning through it over the past few days. I will Teach You to be Rich – the book – like most financial know-hows doesn’t break any new barriers when it comes to basic financial principals. But let’s face it: personal finance isn’t nuclear science. A successful PF book teaches people how to implement these ideas into their daily routine and make them stick.

Investing can be an overwhelming and daunting task when you’re young and first starting out with your investments. But are young people today turned off by investing after seeing our parent’s nest eggs deteriorate in front of our eyes? Or do we live in a world so focused on the here and now, that planning for the distant future seems like a nonessential task.

After speaking to various older coworkers and family members, I’ve come to the realization that it’s not only the younger generations that need a crash course in personal finance — many of the ones closing in on retirement need a refresher course too.

I’m not one to toot my own horn, but I will today because, frankly, I deserve it. Today I became a card-carrying member of the Debt-Free club. This beautiful day follows an intense two years of handing over half of my salary towards debt repay, and I am tickled pink to have finally gotten to the point where I don’t have to throw away my paycheck on crap that I purchased eight years ago.