INTENT
This book is divided into three sections: The Thought Process; Identifying Transfers, and; Identifying the Creators of the Transfers.

THE THOUGHT PROCESS
Here we try to uncover flaws in some of the conventional financial wisdom. A lot of this wisdom is misguided. It lies somewhere between opinion and fact, between myth and reality. The opinion and myth portion of this knowledge can create confusion. It is important to be able to identify what is opinion and myth in your own personal financial lives. It is here where unintended financial consequences occur. The fact and reality is that with the basic wisdom we have been given we will ultimately transfer large portions of our wealth away to others. The people feeding us this wisdom are the benefactors of these ideas. If they can control your thought process, they can control the outcome. It is time to uncover some of the consequences we must pay for when we follow this advice. One must realize that the upcoming events, such as the demographics of the country and the changes that will be necessary, will effect all of us financially. You must develop a financial thought process that will eliminate or reduce transfers of your wealth.

IDENTIFYING TRANSFERS
Being able to identify the transfers of your wealth is important. We want to take a look at ten of the most common transfers that may affect you. You may be in a position to reduce some of these transfers right away. You will find though that there are unintended financial consequences attached to all of them. Once a transfer is recognized it is important to learn to recapture as many of those dollars that you are unknowingly and unnecessarily giving away. In these transfers you will be able to see the opinions and myths for what they really are: profits for others. Recapturing these transfers will change your life and give you more financial control and freedom. You may discover that there are solutions when dealing with these transfers. That defining moment will change the way you think about your money.

WHO IS CREATING THESE TRANSFERS?
Finally, we will address who is causing these transfers of your wealth. When you identify these perpetrators you will be able to deal with them more effectively. These are the people and institutions that create situations, control the outcomes, and profit from it. In the past, we obtained financial advice from these sources. Many times we are led down a narrow path that they control only to find that the outcome isnt quite what you thought it would be. You might discover that the financial solutions they provided for your may profit them more than it does you. Their thought processes may create more unintended consequences for you in the form of higher taxes, more fees, and higher interest rates.

URGENCY
The vast majority of people are troubled and confused about the economy. They are bombarded by the media, bullied by sales people, and bewildered by the millions of things they feel they need to know to survive in this financial jungle. Over the past few years they have seen all the investment lessons they learned in the 80's, the 90's and beyond fail them. They know they cant live much longer on 5% rates of return and yet they are scared and hesitant to make crucial decisions. To make things worse, right now 90 million Americans are faced with the most critical investment challenges of their lives. We are going to shed some light on this darkness. We will break these problems down and analyze them carefully. Then you will have a clear view of choices open to you. You will feel more confident and prepared to make financial decisions.