Having set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resources can really make you live your future that living only now and suffering in the coming years. It is not that most people do not have money but the way they manage it is what matters and it translates to how their lives will be at least most of the times. The difference between the rich and the poor is that the rich have money which they attach it to the laws of the country and are financially literate while the poor are blind to money management and business laws. How well do you know the laws of the country that guides people in business environment?