An analogy for personal finance, the pinwheel represents lifestyle expense needs, the pinwheel spinning is those lifestyle needs being met. The Financial Pinwheel is the name of the book, analogy, and process developed to assist in understanding how the main aspects of personal finance relate in a comprehensive structure. It includes elements of lifestyle expenses (pinwheel), savings (battery), self savings for battery ("you" cell), government or corporate pensions ("them" cell), investments (sun and solar panel), and insurance (protections net).