Julia has a small daughter, Laura. Every morning on the way to her teaching job, Julia drops Laura off at day care. Julia remembers her mother spending the day with her when she was Laura’s age. She hurts each morning as she leaves her daughter, even though she loves her job teaching. She would love to spend more time with her family.
Mark is sitting at his desk late at night. Spread before him on the table are the month’s bills. He is trying to decide which of the bills he can pay this month. There is more month than he has paycheck. He longs to get out of debt.
Sophia is working 60 hours every week at her job, 10 hours a day, 6 days a week. While she loves her work and is well paid, she dreams of having time to pursue her dream of owning her own business and being her own boss.
Robert and Mary are celebrating their 50th birthdays this year. They have been frugal their entire married life. They have put their children through college. They have paid down the loan on their house. They are looking forward to retirement in a few years. However, despite their […]

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