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“The biggest problem with money is that it doesn’t come with an instruction book.”
—Charles J. Givens
DON’T MISS CHARLES GIVENS’ BESTSELLING COMPANION TO
MORE WEALTH WITHOUT RISK
FINANCIAL SELF-DEFENSE How to Win the Fight for Financial Freedom
AN INDISPENSABLE GUIDE TO PROTECTING THE MONEY YOU EARN
Available in trade paperback from Pocket Books
Also by Charles J. Givens
FINANCIAL SELF-DEFENSE: How to Win the Fight for Financial Freedom
The indispensable companion to
MORE WEALTH WITHOUT RISK
PRAISE FOR CHARLES J. GIVENS AND
“Finally, someone has turned investing into a simple-to-understand system….”
—Self
Magazine
“Very good…. Stocked with considerable substance….”
—San
Jose Mercury News
“Givens’ plan focuses on reducing expenses for insurance, taxes and credit cards and increasing savings
and investment earnings…. Many of his strategies are common sense….”
—St.
Petersburg Times
“There is no way that an individual cannot benefit from at least several money-saving or -earning tips….”
—Booklist
“Uncommonly sensible recommendations…. Features a wealth of smart-money tips….”
—Kirkus
Reviews
“A top money guide—entertaining, exciting and full of new ideas….”
—Publishers
Weekly
The sale of this book without its cover is unauthorized. If you purchased this book without a cover, you
should be aware that it was reported to the publisher as “unsold and destroyed.” Neither the author nor
the publisher has received payment for the sale of this “stripped book.”
In view of the complex, individual, and specific nature of financial matters, this book is not intended to
replace legal, accounting, or other professional advice. Laws vary from state to state and the reader is
advised to obtain assistance or advice from a competent professional before making decisions about
personal financial matters. taxes has nothing to doanif
The author and publisher disclaim any responsibility for any liability, loss or risk incurred as a
consequence of the use of this book.
POCKET BOOKS, a division of Simon & Schuster, Inc.
1230 Avenue of the Americas, New York, NY 10020
www.SimonandSchuster.com
Copyright © 1988, 1991, 1995 by Charles J. Givens
All rights reserved, including the right to reproduce this book or portions thereof in any form whatsoever.
For information address Simon & Schuster Inc., 1230 Avenue of the Americas, New York, NY 10020
ISBN-10: 0-671-69403-0
ISBN-13: 978-0-671-69403-6
eISBN: 978-1-439-13669-0
First Pocket Books trade paperback printing April 1995
10
POCKET and colophon are registered trademarks of Simon & Schuster, Inc.
For information regarding special discounts for bulk purchases, please contact Simon & Schuster Special
Sales at 1-800-456-6798 or business@simonandschuster.com
Cover design by Barry Littmann
Front cover photo by Debra Lex
To Chuck and Rob, my sons, Julie Anna, my daughter, and Adena, my wife, my greatest supporters
You will see all the elements of our secrets. The conclusion will be yours to draw. We can help you
learn it, but not to accept it.
The sight, the knowledge, and the acceptance must be yours.
Ayn Rand

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