Most of us know we should be doing more with our money, but where do you start? Between jargon, myths, and conflicting advice, it’s no wonder so many people feel stuck or overwhelmed. It’s time to take control of your own financial future. With over 20 years of experience as a financial adviser, Andy Hart draws back the curtain on personal finance, giving you clear, practical strategies to make the most of your money. Inside, you’ll learn how to: *Reframe the way you think about money so you can make smarter choices. *Recognise how your own behaviour shapes your financial outcomes. *Understand investments—why they’re not just for the wealthy. *Gain confidence in planning, saving, and investing for the future. *Strip away the myths and complexities that keep people from moving forward. No Bullsh*t Money Advice isn’t just about money. It’s about you—understanding yourself, your habits, and your goals. Whatever your financial aims are, this book will empower you to simplify the complex and make decisions with confidence. And all without the noise that often comes with money advice. No scare tactics. No gimmicks. Just straight answers.