GOLDEN VALLEY, Minn. - It's never too late to start planning your kids' financial future. That's according to self-made millionaire and financial expert Mike Finely.

Finley says the steps he took to get there are the steps we all can take and he outlines them in his book, Financial Happine$$. Finley stopped by KARE 11 News @ 4 to talk about his steps.

Finley was born and raised in Iowa with limited resources. Michael Finley joined the Army at age 19. That was his day job and financial literacy became his sideline passion. At age 45, he retired a millionaire.

Finley now volunteers his time to teach financial literacy at the University of Northern Iowa-Cedar Falls. His passion for teaching military personnel and young people financial responsibility has led him to regularly speak at high schools and middle schools through the Junior Achievement program in Iowa.

He is an active financial coach and mentor for Iowa National Guard ROTC students and incoming Iowa National Guardsmen, and speaks to other groups and organizations about making smart money choices.

His new book is Financial Happine$$, a plain-language guide to learning financial reasonability and understanding the forces working against you when it comes to financial matters.