Savings - There is very little money in the savings account. The risks increase further with no savings account at all. Credit Cards - How much of the credit limit is owed? If you have used or almost used up your credit limit, you have a debt problem...

Although many wish that would be true, the fact is that it is not. The price one must be willing to pay is everything. But it's not always the everything people think it is. I have had the pleasure of being both employee and employer. In this capacity...