Think You Can't Get Ahead? Think Again Do you feel like your life circumstances have left you in a financial rut, with no hope of getting out? You need to listen to Charles Winfrey. Since starting his financial advising business 18 years ago, Winfrey has been teaching financial secrets that lead to success, regardless of age, income, job status, ethnicity, or family history. Just as he does every week on his financial radio program "The Charles Winfrey Show" in this book Charles will teach on a wide range of subjects, from retirement, personal, business, and estate planning to budgeting, emergency savings, life insurance, and investing for college tuition Contrary to popular belief, you don't have to earn six figures to retire wealthy. And you don't have to be a celebrity to live like one. Take it from Charles Winfrey - who earned his stripes in banking, insurance and the stock market - what your CPA, attorney and financial advisor may have missed can cost you thousands of dollars per year. While many financial "experts" focus only on retirement or estate planning, he will explain the three-phase process of creation, accumulation and preservation of wealth. Armed with Winfrey's Seven Secrets to Financial Success, you will find the COURAGE to change your life for the better: * Change your spending habits. * Overcome the need to keep up with the Joneses. * Understand the difference between wealth and income. * Resolve to be (and remain) debt free. * Accept financial responsibility. * Generate income from multiple streams. * Education, education, education.