What a person gets in using this tool depends on his/her choices. If the tool is used effectively, a person will prosper and if it is used ineffectively, a person will stay where he/she is and possibly fall back.

In our free enterprise economic system, individuals as well as business organizations make choices about earning and spending money. In order to make good choices the individuals need financial knowledge, training and experience. Making good choices and making good financial decision take competencies in allocating money and resources. There is no single educational system that can teach a person completely on financial education but there is an abundance of sources of information to help a person become good consumer and be able to make good choices.

It is good to become smart consumers and learn to protect ourselves from consumer fraud and dishonest business which will only rip-off our hard-earned money. Be aware of fraudulent advertising using the tactic such as “bait and switch”, the use of "OPM" (other peoples money) that can be seen in many network marketing or pyramid marketing businesses. Know the specialized organization that enforces consumer protection laws. Keep on learning more about budgeting, savings, how to use credit, banking and investing which are the keys to financial success.