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Getty Images “Mr. Beaver, I am finally starting to earn real money in my medical practice but don’t know the first thing about investing. I need concrete advice on handling money, building wealth, but don’t want to become a slave to money. “I have met with financial advisers, but lack a grasp of the terms they use and, frankly, am afraid of looking stupid, so I don’t ask them to explain. Do you know of a book that is meant for people like me, who need a basic education in personal finance, but that has a ‘human’ touch as well? Thanks, Karl.”

Getty Images Anne, my office boss, buzzed me: “A 13-year-old reader is calling from Chicago. He is worried about his father, who is an attorney.” Seconds later I was speaking with “Timmy.” “Mr. Beaver, my father, Hal, is a lawyer and is so sad all the time. He works for an insurance defense law firm and comes home telling us that he just can’t take doing things, bad things that hurt people with insurance claims Dad says should be paid, but his boss tells him to fight the other people so the law firm can bill for more hours.