Meet William S. Baker

William S. Baker wrote Money Matters for one reason: most young people are sent into adult life without a single class on how money actually works.

Schools teach algebra, chemistry, and history — but few teach how to build a budget, open a retirement account, or recognize the credit card trap. William wrote this personal finance book for teenagers and young adults to fill that gap, the way he'd teach his own family: honestly, patiently, and in plain English.

"Think of me as someone a little further down the road, turning around to tell you where the potholes are. The decisions are still yours — but you'll make better ones once you understand the basics."

William is not a licensed financial advisor. Money Matters is financial education, not personal advice. For big decisions, talk to a qualified professional.