Beyond the Piggy Bank: To Early Financial Independence (Paperback) (ISBN-13: 9780990451129)

Todd Manning, a happily married father of two young boys, currently resides with his family in Westfield, New Jersey. The same affluent, suburban town he was raised in as a teenager and where he has been a proud homeowner since 1999. A licensed Attorney and corporate software sales consultant for most of his career, Todd is married to an Ivy League educated Chemical Engineer (with a Masters in Engineering) who has worked for the pharmaceutical industry in various capacities since graduating from college. Despite living in one of the most expensive states in the nation, and graduating from law school with zero savings in 1993, he and his wife Caroline still managed to achieve financial freedom at the ages of 41 and 35 respectively and rank Top 5% or higher in U.S. household/family income and net worth. He and Caroline own their upper-middle class home outright today (mortgage free since 2008). And, the same can be said of their cars and other possessions ... Due in large part to their own efforts (no inheritance or other family assistance beyond their parents so graciously funding a significant portion of their post-secondary education) and are not indebted to anyone, including credit card companies. Barring tragedy, they do not anticipate owing money to others ever again. Todd is sincerely looking to make a difference in other's lives, to give back, not only to his children and extended family, but especially to those who are less fortunate so their lives can be impacted in a positive way by his common sense, holistic approach to optimized savings. He regularly prays that his kids enjoy as independent adults someday the same standard of living and financial liberation he and his wife have experienced for quite some time. "Beyond the Piggy Bank" is his first and perhaps only book. It was written as a lasting legacy to his children so they don't get left behind in the new world order where the American middle class is disappearing at a rapid rate due in part to the unstoppable march of Globalization. He genuinely welcomes your feedback, the good, bad and ugly so he can improve upon this first edition to make it as effective as possible. He is hoping this book will have mass appeal and help educate our nation's youth on broad-based, smart money management practices. (Todd can be reached at Todd_Manning@Outlook.com.)