Motivation to be smart with money can come from a variety of sources. One source is from being convinced early in life that saving and investing are highly likely to leave you doing very well in later life. At the same time, another source comes from being convinced that not saving is highly likely to leave you very badly off in years to come. This book is intended to increase your motivation to be money-smart by showing some simple logical diagrams (models) and simple math examples that illustrate why saving and not saving lead to these outcomes. The principle supporting these conclusions is called the economic law of money-saving. The law explains why, over time, saving is the cause for a small group of society to end up with a disproportionately large amount of money and a large group of society ends up with a small portion. The book is short and to the point. I hope you and your children embrace the message and live long prosperous lives. Enjoy.