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Far too many people are content to move forward in their daily lives, completely unaware that they are imprisoned by a variety of financial institu­tions. They can feel the impact of their servitude including the sensation of drowning in debt, feeling like they will never get ahead, the idea of retirement seeming to be folly, but they have not quite put their finger on why. Once they do – once people realize the hold these institutions have on them and make the life-changing decision to change that, they will never look at money the same way. I always assure people it doesn’t matter how old you are. Perhaps you are a twenty-year-old who is trying to make decisions about managing your money. Or maybe you are fifty years old and having an “Uh oh!” moment, realizing that you need to make financial changes for your immediate future.

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