The most recent Canadian stats say that 47% of you who open this email are living paycheque to paycheque AND a great deal of your disposable income is going to consumer debt.

That means for half of you, if for some reason you lose your job, you're facing real trouble.

Whether we got this way from our bad decisions or circumstances beyond our control, we want you to know there is hope and there is help, and in this practical series you may just find both.