Summary There are many books available on"How to Get Rich" and that is not the main purpose of this book. The main purpose of the book is to sensitise people from all walks of life to first concentrate on reaching success and contentment in their personal financial life and then use the experience gained to possibly get rich. With prices of everything needed in life virtually spiraling out of reach for the majority of people it is becoming essential that we think and consider of how we accumulate money and how we spend it-for the long and short terms of our lives. As one of the millions of retirees on this earth, I want to convey to you, the reader, an understandable yet detailed insight into the big P and B namely Planning and Budgeting learned throughout my life. Planning and Budgeting simply teaches you to be "Truthful" about your monetary situation and will guide you to personal financial success whether this "success is monetary peace of mind, living a life of monetary contentment or being to advance your monetary dreams.