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In December 2018, Santis O’Garro found herself in a dire situation: a newly single mother in €15k of debt, with bills mounting and no one to turn to for help. Something had to change. The only option was to face her bad financial habits so she could get out of debt – and fast. A year later, she had not only eradicated her debt, but was also financially secure enough to quit her job and pursue a new career. Here, she shows you how to change your money mindset so you can live a debt-free life, too.

Strategy decision making and action used to be off limits to all but the select few at the very top of an organization. It was a largely cerebral activity focused on grand long-terms plans made at annual off-site retreats away from the daily challenges of the business. That is no longer the case. The current business environment does not wait for companies to slowly adjust in an annual meeting. The relentless pace of change renders today's long-term future tomorrow's history. Does this mean strategy is no longer useful, or even feasible? No. Good strategists are needed now more than ever.

Finance for Normal People teaches behavioral finance to people like you and me - normal people, neither rational nor irrational. We are consumers, savers, investors, and managers - corporate managers, money managers, financial advisers, and all other financial professionals.