Ruth L. Hayden, personal finances educator and President of Ruth L. Hayden & Associates makes the murky money world accessible, cutting through the confusing terms, complicated strategies, and your fears, and cuts to the chase, giving you all the help you need to get going on your way to wealth. She offers exercises to help you learn what your money beliefs are and how they can hold you back; defuse shame and blame, and release you from emotions to use rational thinking; learn how to budget effectively; know when debt is a four-letter word, and when it isn't; talk the talk of investing so you can walk the walk; and save like your financial life depends on it.