• Chris Lang, Rick Mann

• Randy Magray

•  Athletes know the secret -- that being physically fit is not a destination, it’s a process, a lifestyle. The same can be observed when you analyze the lifestyles of millionaires in this country. People are often surprised when they learn that affluent people frequently exhibit regular planning and budgeting habits and consciously control their spending. If millionaires manage their resources by adhering to such seemingly mundane and unremarkable rituals, how much more should those who are struggling, living paycheck-to-paycheck, buried in credit card debt, and in need of financial CPR?