A practical guide to mastering your finances, understanding your benefits, and building long-term security—starting now. Too many people step into adulthood without the tools to manage their money or make informed decisions about insurance, investing, or real-world logistics. Ahead of the Curve is here to change that. This book delivers clear, actionable guidance on the things that matter most but are rarely explained: how to start investing early, choose the right insurance plans, take advantage of job benefits, and navigate essential adult milestones like moving out, buying cars, filing taxes, and managing your own healthcare. Inside, you’ll learn how to: Open and grow investment accounts that build real wealth - Make smart choices about health, dental, and vision insurance - Understand the fine print of employee benefits, including HSAs and retirement plans - Protect yourself with the right auto and renters insurance - Prepare for independent living—from finding an apartment to avoiding common financial missteps Whether you're just starting out or want to make sure you're on the right path, Ahead of the Curve gives you the foundation you need to make confident decisions now—and reap the benefits for decades to come. Because when you invest in yourself early, you're not just keeping up—you're staying ahead of the curve. Written by a real person who had to figure this all out the hard way—so you don't have to. Questions or feedback? Reach me at: michaelsconsultinghq@gmail.com