Book – The One-Page Financial Plan: A Simple Way to Be Smart About Your Money discusses overall strategies for setting up a personal financial plan. Richards emphasizes letting go of the past and the need for perfection that often paralyze the process. Your plans should fit your goals and lifestyles; there is no one-size-fits-all plan. He guides you through analyzing your spending values and gives examples from his own life and clients. I liked his focus on examining your personal motives and setting your goals to reflect them. One person may have travel as their primary financial expenditure, while another person may direct their finances toward saving for a college fund. Richards also asserts that analyzing your spending habits will help you determine if you need to to redirect your funds. He stresses that this exercise is not to make you reduce money toward what you enjoy doing, but to identify and reduce spending on items you deem non-essential. This book inspired me with its emphasis on setting up a financial plan that makes sense for today and that takes the ups-and-downs of life into account.