Why do we run out of money before we run out of month? How will I know if my finances are improving or declining? What is living above or below my means? Why can't I keep money in my savings account? Should I budget? Is making more money always the answer? When is it ok to borrow money? Who makes the financial decisions in marriage? Is co-signing a loan ok? Is it ok to use credit cards? All of these and other questions will be discussed in detail.