Book excerpt: Do you find yourself living from paycheck to paycheck? Do you feel helpless when you try to think about how you'll ever manage to retire at 65(let alone "freedom 55") or do you try not to think about it at all? Most important, do you feel overwhelmed at the idea of coming up with a personal budgeting plan? If the answer is yes to any or all these questions, this kit is for you. It's a step-by-step guide to getting yourself back on track financially for the rest of your life. Along with all the necessary forms, it contains tips and information to help you create a workable personal budget. It simplifies the budgeting process, making it easy for you to create a solid, realistic plan. You will learn how to set realistic financial goals, trim your spending painlessly, pay down your debt methodically, save and invest, and develop a retirement savings strategy, The future-your future-is in your own hands. Have respect for money and what it can do for you. Start today, and budget your way to financial freedom! A 3.5" disk containing all worksheets is included.