Many Americans overspend, have no savings, are in debt, or bankrupt. Everyone talks about it, quoting scary statistics, and giving confusing and complicated advice. Is it overwhelming? Confusing? Simply too much? Are you a middle-class American who makes good money, just can't spend it wisely? Are you personally living beyond your means? Are you spending more than you can afford? Are you spending more than you want to? Are you spending more than you realize? Are you buying things you never use? Do you have credit card debt? Are you in or near bankruptcy? Do you not have savings? Do you want to take your situation under control?

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