Consider you are an average adult from a middle class family with no idea on finance management and you got a decent job . What will be the things you do with your salary? Let me guess....Buy a new Car, I-phone-X, spend it everyday ...etc Then? Get married, have children, .... eventually your loans and expenses increases ... while your SALARY REMAINS THE SAME ! So now your routine will be like Go-to-work==>Get-Salary==>Pay-off-loans==>Salary==>loan==>salary==>loans..........and so on Yo