Ricardo Dias de Sousa introduces financial markets and explains its quirks, expansions and rules to the general public. He expounds that men acts according to his needs, from the most simple like food or housing to the more complex regarding his self image and accomplishments. He points out that everybody prefers to gain their goods sooner than later and with this golden rule is how banking, housing and markets function. But later he argues that it is not that simple, but gradually humanity starts to find ways to transfer wealth to the future. We start by human action, from one person using his own ends or using others to reach his goals, cooperation with others. To reach a common end or goal is the function of cooperation and it is the starting point to understanding capitalism and financial markets. He then expounds the rules of financial markets and regulation regarding the use of money around the world. There are different types of markets in the world which he delves in great detail, for example stock exchanges and money market. At last he explains the possible alternatives to fixing a market in crisis.