Kent T. Stuver graduated in 1995 from Brigham Young University's nationally recognized School of Accountancy. During the first years that he worked as a tax accountant, he realized that a number of his clients did not understand the basic, common-sense principles of personal money management. So, he wrote and published the small booklet Control Your Cash Flow, which he gave to his tax clients. Over the years, Kent was intrigued more by the few people who did not see a difference in following his principles, than by those who did. In the end, he realized that the difference lies not so much in