"The bigest problem with money is that it doesn't come with an instruction book, " says Charles J. Givens, author of the runaway bestsellers Wealth Without Risk and More Wealth Without Risk. In Financial Self-Defese, Mr. Givens tackles the toughest obstacle to accumulating wealth -- managing your personal finances. Here are 186 simple, safe, and proven strategies to help you stop losing thousands of dollars each year from costly (but legal) tricks dreamed up by bankers, car dealers, insurance companies, credit card companies -- even Congress and the IRS. Liberate yourself from the trap of living paycheck to paycheck: Financial Self-Defense will enable you to save so much in purchasing goods and service that you will free up all the money you'll ever need for investing in a sound and happy financial future -- without sacrifice.