Chapter . Introduction


“Financial Savvy” How To Invest Smart So You Will Have the Money You Need When You Need It

 --By Gerald Appel and Dr. Marvin Appel

Articles and discussions of financial and investment planning generally focus on the accumulation of assets for the later stages of life—to provide for the maintenance of standards of living, medical needs, creation of estates, and vacations.

Each period of life carries with it special financial requirements associated with that particular stage. In certain ways, young adults require less capital than older adults. Medical expenses tend to be considerably lower. Younger people are more capable of traveling “on the cheap,” in hostels, camping, and in less luxurious and/or group accommodations. ...

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