Stephen D. Mayer was born in San Francisco in 1954, where he attended Riordan High School and then U.C. Berkeley. He is a CPA by trade, however, his entrepreneurial nature has lead him to be involved in starting over 18 different businesses. He lives in San Mateo with his wife, Patty, of over 25 years and has three children-Dylan, and twins, Kenzie and Nicola. He is a man of many traditions, including over 40 consecutive years of backpacking with his group of friends. For fun, when he turned 60, he completed an Ironman "because it seemed like a worthy goal". Steve also enjoys writing, especially when his experiences can help someone else. This book was written to help fill in the gaps where students are leaving high school without the personal finance knowledge they need function - basic stuff, like reading their paycheck, doing their taxes or getting a car loan. We hope this will help them understand some of these basic concepts as they move into adulthood.