Live, laugh, learn....This is the workbook to complement the audio and text of Good Debt, Bad Debt (Penguin 2005, 2007). It is also used at SFLToday.org Workshops and in our video classes and as the starter courses for those personally coached by Jon Hanson. The workbook contains approximately 80 pages. Several original cartoons and slightly sarcastic expanded explanations on Houses, Spouses, and Cars! Oh my! Here is a breakdown of topics (aside from an overall understanding of debt and time). Table of Contents Preface: It's about time and money!4 Positive Thinking Isn't Enough6 Habit7 The Daily Practice7 Most Everything Good Happens in the First Six Feet7 The Picture of Good Stewardship9 The Practice of Good Stewardship10 The Promise of Good Stewardship12 I Know, You're Different, Snowflake...12 Good Debt, Bad Debt Workbook17 Q&A Chapter 1- The Debt Effects, the Invisible Hand of Debt18 Q&A Chapter 2- Emotional Hostage: How Do I Get Free From Me?19 Q&A Chapter 3- Burn Rate: Spending. Not Income, Determines Wealth21 Q&A Chapter 4- Delayed Gratification Don't Wait to Get It!23 Q&A Chapter 5 - I Don't Know About My Past, But My Future is Spotless.26 Q&A Chapter 6 - What if You Live?29 Q&A Chapter 7- Real Estate34 Real estate rant:35 Q&A Chapter 8 - Driving My Life Away40 Car Salesman:42 Q&A Chapter 9 - Do I Have Records?43 Tax rant:46 Q&A Chapter 10 -You Married Who?46 Q&A Chapter 11 - Debt Warfare: When Push Comes to Shove51 Negligent Spendicide?:54 Teach your children well...55 References55 10 Year Guarantee57 (Test Only 16 pages) Stewardship for Life's Financial Literacy Basics58 Test Answer Key Only 123 questions74 "Life is great when you spend less than you make!" SFLToday.org "Emotional spending is the 'drunk driving' of financial stewardship." Jon Hanson, March 5, 2014