One evening, while having a conversation over a cup of coffee, Erin, the author of the book, asked her friend Lizzie why she continued to work so hard if it was exhausting. Lizzie, who arrived in New York in pursuit of her dream job, was a young single woman. She was not burdened with any obligations. Erin simply didn't understand why she couldn't find a part-time job that wouldn't drain her energy while she searched for her true calling.

Lizzie explained that her concern was rooted in her financial situation. She heavily relied on her financial stability. The thought of quitting her job made her anxious about managing her finances without a clear plan in mind. Even though Lizzie came from a well-to-do family, she couldn't stop worrying about her finances. Then how do other young people deal with the same difficulty? That question baffled Erin as well. Moreover, the author realized that Lizzie's situation is typical of those who have just graduated from university or college.

Proper cost allocation is of utmost importance. Without knowing how to do this, you may be unable to cover essential expenses, such as housing or groceries. The temptation to squander all your money can lead to reckless spending habits. Consequently, you may live paycheck to paycheck for a long time.

Mastering the art of financial management is a challenging task. It's no surprise that people often feel stressed due to money matters. The question arises: How can one break free from this disheartening situation?