Debt typically represents the most difficult financial hurdle for most Americans to overcome. As a result too many of us are unable to enjoy any form of financial success. 'Are You BEHIND the 8 Ball? Six Cornerstones of Financial Freedom' is a book aimed primarily at young Americans, but with material of interest to all people. The principal goal is to raise the level of awareness and anticipation in all areas of personal financial planning before being subjected to the pitfalls that so many adults are afflicted with. The book navigates key focus areas ranging from budgeting and debt elimination to home purchasing and investing, ending with discussions on long term care and estate planning as well as an understanding of the tax landscape in America. Preparation, patience and discipline are possibly the three most important ingredients of financial success for all individuals.