Financial Competency takes the approach that we cannot manage our financial resources if we don't have resources to manage. The book deals with the issues of employment & being a "valued employee" and how to bring value to your job. The book explores the dynamics of basic wealth management, as well as the management of our tax refunds and how to use that refund in the most effective manner. Financial Competency helps the reader decide his role in the workplace: Am I an Employee or an Entrepreneur? Do I understand what my Employer is looking for in terms of his goals? In this very important "financial how to book", Mr. Reed addresses the most fundamental problem that keeps most of us from having financial success: we must be taught about our finances in way that it resonates and stays with us so we can apply it practically. Financial Competency teaches financial concepts and much more. What the book does most is help us to get on the right path financially to Create The Life We Want To Live!!