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One day a young man named Wak was confused on 

how to save money and become financially stable. 

Over the past few years he has lost, and spent all 

of it so he had to live in the jungle with monkeys. 

As he was walking, he found a piece of paper lying 

on the ground saying that it could teach him the 

ten most important things to know about money 

management. All that he had to do was travel the 

world and find the 9 scrolls explaining the keys to 

success. Wak had no choice but to go for the trip.

Wak found the first scroll in England. This sheet 

of information talked about all the different types 

of depository institutions. He discovered that 

there are commercial banks, credit unions, 

savings banks. Banks are usually the largest of 

the depository institutions because of they offer 

financial services to both consumers and other 

businesses. Credit unions on the other hand are 

owned by "members." They are non-profit 

organizations that are exempt from federal 

income tax.

After he left the castle, Wak found out that he 

had to travel to the sahara desert

After he read the scroll, he found out that the next 

one could be found in the mountain ranges of Mojave 

desert. Once he found the scroll he read about the 

different types of Income. Wak learned that there was 

two different types of income: earned, and unearned. 

Earned comes from jobs and work, while unearned 

comes from gifts, family members, and any money 

you didn't work for. A few miles further he found 

another scroll about expenses. Expenses is money 

spent for anything, taxes, saving and investing, 

housing, etc. Expenses are divided into different 

categories like food, insurance, saving and investing, 

etc.

After he found his third scroll he realized he would 

need to move faster. He found a magic horse that 

could move at the speed of sound and quickly found 

his fourth and fifth scroll. The fourth scroll informed 

him about taxes. There are many types of taxes, 

there are income, payroll, property, excise, etc. 

taxes. With the help of his mighty horse he quickly 

found the fifth scroll atop a mountain miles away. This 

scroll talked about budgeting and how it was good for 

saving money. Budgeting is when you keep a record 

of your income and all expenses. This allows you to 

physically see where all your money is going and how 

to better save it for things he wants.

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