Changing The Conversation is a guide book for life. The purpose of this book is to give people the steps to transform their financial and family well being. Klaben implores that financial literacy begin at a young age. He explains the different phases of financial literacy for children. He gives parents a time line of when to introduce these phases to their kids. He also urges readers to constantly upgrade their knowledge throughout life and to make meaningful social connections with other people.

Gary Klaben is a former Army infantry officer. He later become a real estate agent and now is currently a financial consultant. I enjoy reading about Klaben's early life working in a Greek bakery as a teenager with people from different ethnic groups. The biographical part of the book is quite fun to read.

Gary Klaben provides readers with three important guidelines a person should consider when making a purchase. These guidelines are sustainability, appropriateness and sustainability. I found these to be very useful guidelines. I will consider these things the next time I want to buy something.

Klaben devotes a chapter talking about how the brain learns. I learned that 85% of my brain power is subconscious thought. Only 15% of my brain activity is conscious. Klaben explains how the subconscious works with interesting examples. Klaben also writes how people become more proficient in doing certain activities by explaining the role of myelin in the brain. I love learning new things. This entire section on the brain is simply fascinating.

Retirement yearning is another chapter in the book that I enjoyed reading. Klaben provides readers with an activity to determine whether a person is ready to retire or not. I am not close to retirement age, but I found this information to be practical and easy to understand. Klaben devotes another chapter on the concept of luck. I love his defintion of luck and the real life examples he provides.

Changing The Conversation is a book with mass appeal. Young people will be inspired by the examples that Klaben provides. Older people can reflect and use the information in the book too.