Worried about personal finances? Join the club. Here's the hard, cold fact: personal finances don't just "happen." They're determined by financial habits, both good and bad. Fortunately, good habits can be developed and practiced and bad habits can be systematically eliminated. Eric Tyson will show readers how -- step-by-step, and hands-on. More than five million Americans have benefited from Tyson's best-selling personal finance books and award-winning columns. Now he brings together everything he's learned over nearly 20 years, including financial management secrets and best practices most professionals never tell you about. Tyson will help to organize personal finances... take control of the future... make financial plans that can actually be implemented... save and spend money more effectively... make wiser investments... choose the right advisors... use insurance and other strategies to reduce life's risks... and put money where it belongs in life, (instead of making it one's whole life!). One step at a time, learn how to replace anxiety about money with financial fulfillment and happiness. Unlike other books, this meaty, action-oriented guide is packed with checklists and worksheets that'll help readers start today, get results fast, and make positive changes that last a lifetime.