Orman is the head of her own financial-planning firm, a certified retirement specialist, and a best-selling author (You've Earned It, Don't Lose It, LJ 1/95). In her latest work, she analyzes the psychological and spiritual factors involved in how we perceive money. Her definition of financial freedom is "when you have power over your fears and anxieties instead of the other way around."

Through case studies, Orman illustrates the psychological importance of money and its effect on our lives. She offers practical guidelines for investing, preparing a budget, purchasing a home, getting out of debt, and writing a will.