The Personal Economic Model is more than a picture that can visually communicate the purpose for every financial product developed and illustrate every financial strategy. It brings a foundational understanding to managing the multitude of financial decisions one must make during their lifetime. There are only two ways in improve your present financial position. One is to find better products than those you have now that may potentially pay higher rates of return and often require more risk. The second is to be more efficient by avoiding unnecessary losses.  by Donald L. Blanton & Dr CW Copeland (Author)