Money provides access to products and services, and affords people choices and opportunities. Money can bring a sense of security, peace of mind, economic freedom and enable options that help a person seek and achieve a lifestyle that promotes life-wellness. Money or the lack thereof, has a huge affect on a person's life. The symptoms and consequences of poor financial health, disease and instability in individuals, corporations, and nations seems to be more common these days. We often hear of or know people living month to month, spending more than they make while maintaining a negative net worth. Financial headlines can be unsettling thus making personal finance seem more complicated and unstable.