This is Anthony. He is 35 and works for a manufacturing company. He is a single father, sharing custody of his two children. He makes a comfortable living but has never been committed to securing his financial future. He currently rents but would like to buy a house of his own. He invests in his 401(k) and knows that a secure retirement will require a stronger commitment to save and invest every month.

Anthony is also committed to helping his kids pay for college, something his parents were not able to do. He is becoming more disciplined with his financial life, committing to lowering his nonessential spending, paying more than the minimums on his debts when he can, and saving and investing to meet his financial goals.