How wants and needs affect one’s savings. What is Cash is King? What are the parameters of one’s goals? Why one’s thinking is important in finances. Why starting at a young age is important. What a spending guide is. Why liabilities and assets are so important. What the Rule of 72 is and why it is important. What are stumbling blocks of personal finance? Does earning income make the difference in savings? Dr. Ridgway addresses these issues and questions, and more, in Destroying Procrastination to Grow Money.