MONEY RULES is a Melbourne (Australia) based company owned by financial planning expert Nobby Kleinman. Nobby began his financial planning career in 1987 moments before the share market collapse in October of that year. "I learned quickly about diversification and how to protect money for the future." After 20 years as a qualified financial planner, Nobby can tell you from his own experience that few people will retire with any where near sufficient income. "Sadly, they simply don't believe they can afford to change their ways" Motivated by the desire to show people that they can change their ways now, MONEY RULES thoroughly researched the market place for the best tool available. What Nobby found was the need to produce a simple to use, cost effective solution that every hardworking Australian is after.