I write this book to show you there is hope and there is a way to live a Debt-Free life. It may not be easy, but you know what they say: “Anything worth having is not easy.” This book will: • Provide you with the air you need to breathe in managing your finances. • Give detailed instructions and tools on how to lay out a detailed personalized financial plan. • Teach you how to stay Debt-Free and how to build wealth for your family. • Remind you of God’s love and guidance as you work your way through the challenges of money and life. My mission is to provide financial counseling that will enable you to grow spiritually, relationally, and financially for every stage of your life; to encourage and teach you how to become Debt-Free; to build wealth with confidence and live each day in Financial Freedom. These are tools that can be learned, applied and passed on to the next generation: your children and grandchildren. I am a child of God, a wife, a mother, a daughter, a sister, a daughter-in-law, a sister-in-law, an aunt, a cousin and a friend, and I consider it a blessing to be blessed with a passion for teaching others how to climb out of debt and never slip back into it. I want to inspire and motivate you to make a plan of action and move from “knowing how” to “doing now.” You can do this. You can change your family tree and build wealth. Make the choice to live Debt-Free & Wealthy today!