books on finance, investing, planning, and just about every other subject we deal with on a daily basis. We wanted to convey the real feelings you have as you go through life - specifically as it relates to your financial situation. We started writing with the intent on trying to describe real people and real situations that were clear and understandable. What we learned through the process is real emotions are not what you can put on paper but rather what is typically kept inside, hidden behind layers of doubt, concern, and confusion. We went through many iterations and rewrites to make the final product something that is a relatable and actionable read. Enjoy! The authors share many of the same personal and professional experiences. Keith and Joe have known each other since they were 5 years old, went to the same high school, and had the same group of friends. It was no surprise or coincidence that after college graduation - Keith from Purdue with a BS in Engineering and Joe from Illinois State University with a BS in Finance - that they ended up as partners in the same financial planning firm - Mooney Lyons Financial Services. Both are Series 7 registered stock brokers with LPL Financial and both hold their Certified Financial Planner (CFP®) and ChFC designations. Keith also holds his CLU® designation and is a 24 registered principal with LPL Financial. Keith and Joe are frequent speakers at Chicago area colleges and several fortune 500 companies having lectured on topics including retirement planning, wealth management, risk management, and estate planning. Keith has dedicated himself to coaching youth sports which provides him with the platform to mentor and develop young talent both on and off the field. He has a wife - Lori, and 3 children - Bret, Eric, and Alexandra. When time allows, he enjoys travel, skiing, sports, and movies. Joe is involved in the community and has volunteered time to local school districts, youth programs, and has held positions on numerous committees. He has a wife - Julie, and a daughter - Savannah. In his spare time, Joe enjoys politics, water sports, wine, and skiing. Keywords: Personal, Emotional, Financial Problems, Finance, Investing, Planning