Every day we are learning that individual debt is growing at an astronomical rate and people spend far more than they earn. So many of us strive to avoid such financial pitfalls, but we often lack simple money management skills to help us. While many of us did not get the benefit of learning about money management early on, I'm convinced that it's not too late...(and you should be too). Here's your opportunity to learn fundamental money management principles that will have you well on your way toward achieving your financial goals. "If I Only Knew Then...What I Know Now" takes you through 6 simple steps that you can use now to manage your money more effectively and achieve the financial independence that you so richly deserve. It focuses on those key money management skills that are critical now and will continue to play an important role in your personal and financial success.