Book excerpt: The Hidden Psychological Effects of Money of Black Women is a collection of experiences by a group of Black women, who have learned to have a strong relationship with money. Learning to have a friendship with money, and understanding how money really works is magical. Knowing how the relationship will help anyone manage their finances is even better. It is not enough just to put a beautiful spreadsheet together that spells out individual financial responsibilities, it the realization of what the spreadsheet means. Life is wonderful when you are able to find your Financial Voice. You learn to teach others to do what you know.