The less money you have, the more careful you are likely to be in spending it. That’s one find in Rachel Schneider’s new book, “The Financial Diaries: How American Families Cope In A World Of Uncertainty .” It follows the lives of low- and middle-income households as they try and manage their money. We sit down with Rachel Schneider to talk about her book, and the personal side of planning. Rachel Schneider will be at Savannah's Armstrong Center on October 12 from 8:30-10 a.m. Also joining us is