Too many Americans have consistently high debt, little to no savings, and no realistic plan to build true wealth. With this book you will learn how to practice innovative secrets of Smart Wealth budgeting, fully automate your savings and reduction of debt, improve your assets using my Smart Wealth Net Worth formula, avoid toxic student loans and bad lenders, produce long-term passive income, benefit now and later from long-term financial investments, find your financial mentors and expand your network, enjoy financial freedom, and achieve your dreams.