EIFLE award-winning authors Wes Karchut and Darby Karchut (Excellence in Financial Literature Education awarded by the Institute of Financial Literacy) have written this guidebook to your personal finance. Offering an alternative approach that respects your lifestyle choices, regardless of what those may be, you can improve your finances starting from where you are without sacrificing the things that make your life fulfilling. Successful personal finance is about making the right decisions at the right time - it's not about working harder. This is a guide for anyone who wants a simple and sustainable solution for their money management headaches.