Andy Hart is a financial adviser and prolific communicator on money and life. Through his business ventures and podcast, he guides people toward long-term wealth through independent, lifestyle-focused financial planning, evidence-based investing and behavioural-coaching frameworks.

'This book will do more than just help you understand money, it will help you create a future that will be infinitely more secure and exciting for reading it.” - Pete Matthew, CEO, Jacksons Wealth Management and founder of the Meaningful Money project

“If you want straight answers and practical wisdom about money, you’ll find it here.” - Jason Butler, serial investor and business advisor

“Finally, a money book that isn’t just about money, but about the people who it belongs to.” - Rory Sutherland, author of Alchemy and vice chairman of the Ogilvy & Mather group

“Clear, actionable, and no-nonsense.” - Warren Shute, CFP and author of The Money Plan

“A step-by-step guide to help you understand personal finance and use your resources better for the life you really want.” - Tina Weeks, founder, Serenity Financial Planning

“If you are looking for straight up money advice without the jargon, this is the book for you.” - Carl Widger, managing director, Metis Ireland