Section 1 the foundation of financial Peace of mind Chapter 1 Spend Less than You Make—Class Dismissed! Chapter 2 Life happens—how to Create and Use an emergency Fund Chapter 3 establishing S.M.A.R.T. goals Section 2 taking care of you and yours Chapter 4 Food, Water, and Shelter (Maslow) Chapter 5 Needs vs. Wants Chapter 6 Unintended Consequences of Fulfilling Your everyWant—Debt! Section 3 the importance of negotiation Chapter 7 Shopping around for great Deals Chapter 8 Communicating with Creditors—Know terms of theagreement Chapter 9 Be on the Same page with Your Spouse Section 4 Time value of money Chapter 10 Wisely Invest Now Chapter 11 Be Consistent Chapter 12 Survival Mode