"If you're one of the tens of millions of Americans who are struggling financially, or if you're faced with helping others who are struggling, you need to read this. Michelle Singletary has written an outstanding book, filled with no-nonsense, let's-get-to-it advice that's immensely practical, easy to read and emotionally reassuring. Stop lamenting your situation and let Michelle show you the way out of your crisis." -Ric Edelman, #1 New York Times best-selling author of 10 books on personal finance "Michelle Singletary, a voice of financial reason and calm throughout the pandemic, helps us move forward with what we need most -- answers. From when to raid your retirement accounts, go back to school, and so much more, her clear, precise guidance will put you on the right track to rebuild your future." -Jean Chatzky, CEO, HerMoney.com and best-selling author of AgeProof: Living Longer Without Running Out Of Money Or Breaking A Hip "This book is the ultimate first aid kit for your finances. The bandages, the tourniquets, an oxygen tank (if you need it) -- it's all here. Every home should have one." -Victor Blackwell, CNN anchor "This is a compassionate encyclopedia of financial first aid when you stumble, and good financial health practices when you are back on your feet. Michelle Singletary has been the down to earth, practical advisor to the stars - and us ordinary folks - for decades." -Vicki Robin, best-selling author of Your Money or Your Life and Blessing the Hands that Feed Us "This is not only the best book for people facing a personal financial crisis, it's the only book that answers the critical questions you're likely to have. You can depend on Singletary's careful research and compassionate advice to steer you right." -Jane Bryant Quinn, best-selling author of How To Make Your Money Last: The Indispensable Financial Guide "Michelle Singletary's latest book is full of clear, wise advice that anyone can follow--and everyone should--especially when they are thrown a curve in the game of life. The financial stresses of difficult times can cause paralysis in many people, so Ms. Singletary lays out a plan for dealing calmly with every kind of challenge. My colleagues and I at Kiplinger's magazine have long admired the folksy, accessible, personal-finance counsel in Ms. Singletary's columns, and here is a big dose of that wisdom in one book. I can't recommend it highly enough." -Knight A. Kiplinger, editor emeritus, Kiplinger's Personal Finance --