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SMART Money Makeover is a step-by-step guide to moving your money from pain to peace - and finally, to pleasure. If you’ve tried budgeting, hustling, or quick-fix advice and still feel stuck, this book offers a proven framework that meets you where you are.

Author and financial coach Forrest Huguenin introduces the SMART system:

• Self-Knowledge: Understand your money mindset and personality
• Monetary Awareness: Know your cash flow and net worth
• Allocated Spending: Create a budget that fits your real life
• Ready Cash: Build savings that reduce stress
• Targeted Credit Use: Eliminate toxic debt and rebuild credit wisely

Whether you’re tired of living paycheck to paycheck, rebuilding after setbacks, or ready to design a plan that actually works, this book is your roadmap. You’ll also follow the stories of Robert and Kia - two relatable characters who bring the SMART system to life.

Ideal for readers seeking financial freedom, credit repair, or a money mindset shift they can finally stick to.