Discover practical strategies, inspiring stories, and actionable insights to help you unlock your potential and create the life you desire.
Must-read insights on personal growth and transformation
A powerful encounter with Mr. Rhein, a 79-year-old former Penn State athlete, reveals the most important lesson about what truly matters in life. Sometimes wisdom comes from the most unexpected places.
A newly promoted head nurse with a substantial raise wants to break the debt cycle. Learn the four fundamental steps that lead from financial indebtedness to investment and wealth building.
What does it take to achieve the highest effectiveness as a leader? Discover the essential traits that repeatedly appear in successful leaders: Inner Qualities, Attitude, Communication Skills, and Goal Orientation.
Working relationships can be challenging and significantly impact the work environment and productivity. Discover practical A-Z strategies to build healthy working relationships in any work setting.
Latest insights and practical wisdom
A community health nurse asks for practical advice to help families struggling financially. These timeless money-saving strategies can help any household reduce food expenses without sacrificing nutrition.
A newly graduated RN wants to save for a home, children's education, and retirement but doesn't know how much to set aside monthly. Learn the simple formula to calculate exactly what you need to reach your financial goals.
With six maxed-out credit cards, should you take an 8% consolidation loan? Learn why changing spending habits matters more than just switching debt around, and get practical strategies to break free from credit addiction.
How can a family save for vacation without drastically cutting their standard of living? Discover the art of finding balance between Ebenezer Scrooge-level frugality and thoughtful expense reduction that actually works.
"I get paid on Friday and by Monday I'm out of cash." Sound familiar? Discover a simple tracking method that can reduce impulse spending by 30% and reveal where your money really goes.
Your employer offers a 403(b) plan with multiple fund options, but how do you choose? Learn the essential guidelines for selecting mutual funds that match your risk tolerance, time horizon, and retirement goals.
Interactive tools to apply Dr. Bartruff's financial wisdom
Rate your financial habits across 12 key areas using interactive sliders. Get personalized feedback and improvement suggestions.
Comprehensive monthly budget with income, expenses across 10 categories, and automatic calculations to show if you're in the black or red.
See recommended spending percentages for different income levels. Compare your budget to proven guidelines.
Track your daily cash expenses to solve "the case of the missing cash." Studies show this reduces spending by 30%!
The proven 5-column method to create budgets that actually work. Compare planned vs. actual spending and adjust accordingly.
Interactive checklist of 50+ money-saving tips across 8 categories, plus calculate how small daily savings add up annually.
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Achieving Financial Freedom: Financial Stability Made Easy
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