I have been living in the bliss of financial ignorance for most of my adult life. I just woke up one day with the realization that financial health needs help: my eldest son will soon be in college, I have over $50,000 in credit card debt, over $20,000 in student loans and has no savings

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Everybody dreams of being financially independent. Some wake up and work on it, while others stay in the comfort of la-la-land. I have been the epitome of the second group. I have always dreamed of being on a yacht, with a drink on hand and looking far beyond. At the same time, I also am

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