The document provides tips for handling personal finances wisely. It recommends writing down expenses, creating a personal net worth statement, and applying SMART goals to finances. Key aspects of personal finance covered include creating a budget with fixed, variable, and discretionary expenses; saving at least 10% of income in a rainy day fund; stretching dollars through coupons and free downloads; handling credit responsibly by paying monthly balances in full; and protecting identity by shredding documents and being wary of sharing personal information online. The document concludes by having the reader reflect on creating a personal budget and where their money is currently spent versus where they want it to be spent.