Stephen Covey says, "Your economic security does not lie in your job; it lies in your own power to produce--to think, to learn, to create, to adapt. That's true financial independence. It's not having wealth; it's having the power to produce wealth." There are many stressors in our family lives and one that shouldn't be prevalent is finances. Two people commit to each other because they are fond of one another and want to spend the remainder of their lives together. Unfortunately, money does make the world go round and it's a crucial factor in living a successful life.

Your family shouldn't have to carry the burden of living from paycheck to paycheck, scrounging at the bottom of the pit. Your wife deserves that new dress she saw in the window and your son needs to go to college to be his own success story. Financial management is something we often only learn in our adult life and no one can create our independence as much as we can do it ourselves. Families fall into the trap of debt and savings don't exist. Approximately 76 million American citizens are classified as middle or low-income earners according to USA Today (Davidson, 2018). That's 60% of the population. These families earn less than $65,000 annually and in 2016, felt the lash of financial stress. These families are drowning in debt and have no backup plans should one or both partners lose their income suddenly. What can be done about this financially driven plague that hit us so hard?

This is where Covey makes perfect sense because we cannot rely on our employers and the economy to miraculously change these figures. We must take a stand and educate ourselves about financial independence. When we strive for monetary freedom, our families, children, and friends will follow suit. Change always starts with us first. I've provided the tools you'll need to shift the statistics back in your favor, starting with you and your partner.

I focus on providing a few tips to give you the jump ahead. These include:

• The only way for two people to work together;
• Practical advice to evaluate all the prominent areas of finance;
• Simple guidance that's fail-proof on debt consolidation;
• The one technique to eliminate credit card debt in 12 months;
• The one rule that changes the game lies within preparation;
• Universal strategy to eradicate any inconsistencies;
• Assessing the flow of all funding channels;
• An intricate breakdown to allocate funds and remove burdens;
• The tools needed to invest and save money for the future;
• The inevitable system to decide where life goes from here;
• Financial family planning;
• The obstacles that will attempt to block the journey to freedom and how to plow through them;
• The best legal money-making hustles to provide the push we need.

When is the best time to start planning for a future that's free of financial stress? The only correct answer is now. Allow me to guide you down a path that's helped me and thousands of people achieve their dream. What are you waiting for?