If you’ve been putting off facing your personal finances because you’re afraid of what you might discover, worry no more! A beautiful life of confidence, ease and empowerment when it comes to money is waiting for you, right here, right now. Pioneer financial coach and Accredited Financial Counselor®, Holly Morphew, shares her proven system for eliminating debt, building savings, creating wealth, and reaching financial independence, in a way that allows you to live your best and most joyful life, both today and in the future. Whether you are getting a head-start, or starting late, if you want to make millions or, live simply with more freedom and choices, this book shows you how to use money as a tool to live life on your own terms.