From spending and saving to investing wisely, this hands-on workbook walks you through a private financial counseling session and shows you how to assess your situation and manage your money. You'll learn how to use credit wisely, plan for large expenses, determine your insurance needs, and make smarter financial decisions. Plus, the featured worksheets and checklists help you manage your day-to-day spending and plan for a robust financial future. Discover how to:

• Take stock of your financial history and determine your net worth
• Build a personal financial plan that meets your saving and investing goals
• Develop good spending habits and get out of debt?without budgeting
• Explore your dreams, grow your wealth, and protect your assets
• Get the most out of your money
• Minimize your taxes
• Plan for big-ticket purchases
• Pay for your kids' college tuition
• Ensure a comfortable retirement
• Leave a substantial estate for your heirs