The last thing you need in a crisis is an armchair quarterback who tells you what you should have done. No, you need an encourager and a guide who will not only empathize with how you got there in the first place, but who also shows you the way out.

Scott and Jill Carter’s You Got This! (Morgan James, August 21, 2018) is exactly what the doctor ordered - eye level expert advice from people who’ve been there. They readily admit to their own missteps but credit those financial blunders for helping them figure out a better way forward. No matter your age or current financial status, what they share in this book will be welcome news. 

And, make no mistake. There is a crisis brewing. Fifty seven percent of Americans say they have less than a thousand dollars saved. More than a third have saved nothing. Half of American families live paycheck to paycheck, and, not surprisingly, more than half of us are “anxious or fearful” about our financial well-being. But there is good news: This crisis can be averted.  

The seeds for You Got This! were planted in Scott’s many talks he gives around the country about finances and how to control them. “I kept getting basic questions on retirement,” he says. I soon began to understand the crisis before us as a country and as individuals. Lots of people are whistling past the graveyard and don’t want to think about it.”