After I graduated from college, I swore that I would never eat ramen noodles again. I cannot even imagine having planned so poorly for retirement that people must buy cat food to survive. But, that's the subtitle of Mary Kelly's new book, "Money Smart - How Not To Buy Cat Food When You Don't Have A Cat", (http://www.amazon.com/gp/product/1935733141/ref=as_li_ss_tl?ie=UTF8&camp=1789&creative=390957&creativeASIN=1935733141&linkCode=as2&tag=ymycpodcast-20)which is aimed at young Americans in their 20s and 30s who are just starting out in their career. Her book is an easy read to help put these age groups on the right track so that they will never have to eat cat food during their Golden Years in retirement when they don't have a cat. Mary's book covers the basics for the younger generation and gives them concrete steps to learn how to start saving money, creating a spending plan, investing for retirement and other financial goals, when to buy a house, how to manage their credit, and so much more. In this episode of the Money Q&A podcast, "Your Money: Your Choices", I interview Mary Kelly (http://productiveleaders.com)about her new book, "Money Smart - How Not To Buy Cat Food When You Don't Have A Cat" (http://www.amazon.com/gp/product/1935733141/ref=as_li_ss_tl?ie=UTF8&camp=1789&creative=390957&creativeASIN=1935733141&linkCode=as2&tag=ymycpodcast-20). We talk about personal finances and retirement for the younger crowd, those in their 20s and 30s, who are just starting out in their lives. We also delve into how we as parents are failing out children to a certain degree and also how our school systems are not doing much better jobs teaching our children about personal finance. It's a great episode, and you won't want to miss it.