This book provides you with the framework to create a great financial plan. You do not require any special qualification to create one. There isn't any books that teaches you how to create a financial plan for yourself. Books out there are mainly written for financial advisor but none really writes about financial planning for yourself. For those written on personal finance, they are mainly focusing on money portion. However there are other aspects such as risk management which was either not touched on or vaguely covered. Perhaps the only reason why it was not done is because financial planning requires professional training and certification which is not easy for layman to understand. This framework to create a great financial plan book is not meant to replace any financial planning books out there or promises to do away with any professionals. In fact, in almost every chapter, i will be highlighting the type of professional which is required for your financial planning success. Everyone needs a financial plan. Even if you are in debt, it will guide you out of debt. If you already achieved financial success, it will guide you how to protect and grow your wealth further.