I just read a very interesting book about money management and financial freedom. It's not about making more money or any sort of "get rich quick" schemes, I promise :-). The focus of the book is on the 60/40 principle - live off 60% of what you earn. The other 40% is broken out into 10% retirement savings, 10% short term savings (rainy day fund - money market type idea), 10% tithing, and 10% philanthropy. It's an easy read and quite enjoyable. The author is quite passionate about the subject and has really taken her philosophy to the extreme in her personal life, but it's created the financial freedom she so desired. Anyway, it's called Money, it's not just for Rich People. Check it out if you're interested, the title links to Amazon or you can borrow my copy if you'd like.