What's a little girl to do when late in the night she is taunted by the sounds of something stirring in the locked upstairs bedroom? How did it get to the top of the stairs and begin to descend with a heavy kathump, kathump, kathump? She trembled in fear as her efforts to wake her exhausted mother seemed fruitless.

This is a financial self-help guide for those who live paycheck to paycheck and want to know how to get out of the rut. Using her life experiences as both an insurance agent and a consumer, the author has packed this book with the do's and don'ts that will help them to save money, reduce debt, choose the most suitable insurance, and prepare for a successful retirement. A great reference book that addresses the financial needs of every stage of adult life.