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“Judy’s book is a grand-slam home run, educating you on every aspect of money management in concise, easy-to-follow terms. Anyone who wants a true understanding of their finances and is ready to get their head out of the sound about it, read this book. Judith Heft was my personal bookkeeper for a number of years and was excellent at her job! Congratulations, this is your first step to a new financially literate you!”