Is Foundations In Personal Finance Worth Reading For Beginners?

Nicholas Hunt loves testing me a lot. When I just graduated from university, he tried to make me take on a five-million-dollar house mortgage. After I turned him down, Nicholas was quick to buy Yvonne Myers, the campus belle, a villa that was worth eight million dollars. It was even paid in full. As he held the property deed, he told me, "The truth is, I'm super rich. I've been pretending to be poor just so I can test your integrity. "It's a shame that you never passed my test. I'm very disappointed in you, Elizabeth. Let's break up." I just smiled at him casually. Then, I walked away without hesitation. What a coincidence. I'm the daughter of the richest man in the country. I, too, had been pretending to be poor. Four years later, we bump into each other at the Fortune List Summit. At that time, Nicholas has just squeezed into the top 50 rank. He walks into the venue with Yvonne clinging to his arm. It's then he notices me. I'm wearing plain-looking clothes without any jewelry adorning me, and I happen to be holding a child. Thinking that I'm a nanny, Nicholas begins mocking me. "Wow, you really went all out just to steal one more glance at me, huh? I can't believe you're able to follow me all the way here. "You should learn to accept reality, though. I'm on the Fortune List, while you're working as someone else's nanny. The gap between us is far too wide, so you should stop dreaming already!" I just ignore Nicholas in favor of resenting my dad for making me attend this stupid event. After all, I've just managed to block out one full day just to spend time with my son, and yet I have to waste my precious time on this dumb event.

Sunshine Miller is a drop-out university girl who wanted to become a businesswoman. She lost her dream due to an accident that left her with two younger siblings to support. She was born with a golden spoon, but was forced to leave her life of luxury. Played by the hurdles of fate, she decided to never give up. One tricky night, Kyle Zandrous’ mercilessly threatened her to pay her parents' debt or she would lose a brother. The only solution she could think of was to make him fall in love with her. However, Sunshine couldn't pass his standards. "I will never love a woman like you, so better give up. You may leave." Will Sunshine Miller succeed in making this man fall in love with her to pay less of her debt, or will she fall for his handsome look first before he could?

Emily, age 24, feels like she's treading water, unable to find work and uncertain about her future. She's on the verge of giving up, plagued by worry and a string of dead-end jobs when fate steps in and introduces her to Nathan, a gorgeous young billionaire and a single parent. Nathan requires a personal tutor and nanny for his 5-year-old, intelligent, and beautiful daughter, Lilliana, who is having difficulty adjusting to life following her mother's death. When he gives Emily the job, it feels like a lifeline. As Emily encourages Lilliana with her studies and emotional issues, she discovers a passion for teaching that restores her sense of purpose. Meanwhile, Nathan, who has been entirely focused on his work and daughter, begins to lower his guard. He admires Emily's generosity and drive for the sake of his daughter, but he's also afraid of exposing his heart again. Is their encounter fate or a curse?

After my wife, Shannon Stewart, suggests that we each support our own parents, I set up a million-dollar retirement fund for my dad. However, when I review this month's household expenses, I notice that every single payment is made for the father of Sean Gardner, her childhood friend. "Sean's family is struggling. Why wouldn't I help them out? It's not like it's a lot of money." Shannon brushes it off. There are 13 separate expenses of around 100 dollars each in a single month. Yet when my dad needs 300 for medical bills, she prints out the receipt and tells me to reimburse the household account. Tired of arguing, I toss the statement aside and head inside. Then my dad's condition suddenly worsens, and he's hospitalized again. I rush to the bank to withdraw money from the retirement fund. "Your father isn't the beneficiary of this fund," the bank employee states coldly. "Are you sure you have the right account?" My mind goes blank. How is that possible? Every cent in that account is my hard-earned cash. The employee impatiently turns the computer monitor toward me. The account name on the screen clearly reads, "James Gardner's Retirement Fund." James is Sean's dad.

When Naomi Sullivan married me, she was already ten million dollars in debt. I spent the last five years working three jobs to help her pay off her "debts" while providing for her as well as our son, Shane Lewis. Not once did I ever complain about anything. All along, I firmly believed that my efforts would pay off, and we would eventually lead a good life together. Last week, our company finally secured a massive investment. Naomi and I hugged as we celebrated the occasion. I thought that the hard times were finally over. Today, I ended up seeing Naomi featured in the financial news. Dressed in a formal gown, she was hailed as the sole heiress to a multi-billion-dollar empire. She was shown engaged in an animated conversation with her "investor", Jared Lewis. The news headline read, "Naomi Sullivan Completes Five-Year Adversity Trial, Proves Her Ability to Build from Scratch to the Board of Directors". I trudge home in a daze. When I get there, the five-year-old Shane is playing with the latest limited-edition toy robot. He looks at me with a frosty, distant expression that bears an uncanny resemblance to his mother's. "Mommy told me everything. You failed the trial, Daddy. You care too much about money."

After being reborn, the first thing I do is bind myself to a transfer system and agree to my mother's proposal that the whole family splits expenses equally. It is because in my previous life, after I refuse the transfer system, my mother throws a bill at me and demands repayment. The bill lists every expense from my childhood to adulthood. There are small things like the cost of an eraser or a pencil, as well as big ones like tuition and living costs. "The total cost of raising you is one million dollars. On top of that, the money your brother needs for his wedding, car, and house are all family matters. So, we will split them equally. Taking all those into account, you need to repay us three million dollars in total." So right after graduating, I fall into a massive debt of three million dollars. I do not finish paying it off until I am 38. Just when I try to break away from my family and look for my own happiness, my parents start a livestream and curse me for being a terrible daughter. They claim that I abandon them in our hometown while running off to a big city to chase my own freedom. As a result, I face overwhelming criticism online. I fall into depression for two years, and on my 40th birthday, I accidentally fall from a building after getting drunk. When I open my eyes again, I am back to the moment when the transfer system first appears. This time, I say firmly, "Bind me to the system."