Financial wellness is a process that begins first with dealing with any financial emergency, then developing financial goals and achieving them over a period of time. How you want to or plan to spend your money requires that you first establish a budget, or cash management plan. Without a written budget to guide your finances, you will undoubtedly develop a spending pattern that is not conducive for personal financial success. Therefore, developing a written budget for where you want to direct your money is all-important within the context of achieving personal financial success. In addition, developing financial goals will help you aim above your present economic condition. If you are constantly living paycheck to paycheck, but you don't establish a goal that will usher you out of this type of system of thinking, then this will be your reality for now and for future years to come. this book is a guide to the financial wellness industry as well as a workbook to help you develop, sustain, and monitor financial goals as you endure this journey towards financial freedom. Please read the book. You will gain insight into the industry as well as learn how to implement a financial wellness program in the workplace, save for an emergency, management money, tips to help you repair your credit, overcome bankruptcy, prepare for retirement and how to leave a lasting legacy.