The Great Recession may be over but for millions of Americans daily life remains a constant struggle to pay bills let alone save money. Young people worry about college costs and future job prospects & Food Stamp & Welfare rolls stay at record levels and real poverty and near poverty rates remain high. This book is in many ways a personal memoir for me as I have lived through most of what I teach. The No Money Book is not a just a book on how to survive hard times it is a program to get out of hard times and live to reach your fullest potential. Whether it is getting free legal advice, saving your home from foreclosure, career strategies or getting affordable health & life insurance or dealing with debt collectors, The No Money Book will help you deal with these issues.