Financial Foundations

Have you ever checked your bank account and thought, “Where the heck did all my money go?”
Yeah, me too. About 472 times.
For years, I was convinced there must be a hole in my wallet. Or maybe a secret shopping gnome was using my debit card while I slept. Because despite making what should have been a decent teacher’s salary, I was perpetually broke by the Wednesday before payday.
Honestly? I was afraid to really look at where my money was going. Because deep down, I knew I wouldn’t like what I found.
When I finally got brave enough to track every penny for a month, I had what my daughter calls a “plot twist moment.” It wasn’t one big expense draining my account. It was death by a thousand cuts—small, everyday spending that I didn’t even notice.
This book isn’t about getting rich quick or complicated investment strategies. It’s about creating stability when you’re living paycheck to paycheck. It’s about turning financial chaos into financial calm, one small step at a time. Because financial foundations aren’t built in a day—they’re built by hundreds of small decisions that add up to profound change.