Bestselling author and UK television star Alvin Hall demystifies the principles of personal money management, helping readers control their finances so they can move from confusion--about credit, debt, investments, and retirement--to clarity.Americans are finding themselves in tough situations in the midst of today's volatile financial climate and more than ever need good guidance and discipline. In Your Money or Your Life, financial guru Alvin Hall shows how taking charge of money reduces stress in all aspects of life-- work, day-to-day living, and relationships--and it's never too late to start monitoring this crucial area of life and working towards achieving long-term financial goals. One of the keys to achieving financial success is to first learn how to distinguish between "wants" and "needs." Hall instructs and empowers readers to create a budget that allots for life necessities and material desires. But he also warns readers to get to the emotional root of what causes them to "want" certain things and reconsider their desires carefully. Most importantly, Hall teaches readers how to recognize and manage their personal spending styles, how to find painless ways to save money, how to understand the real cost of credit card debt, how to pick the best mortgage package for them, how to plan for retirement, and how to evaluate insurance offers. With Your Money or Your Life, Alvin Hall provides sound financial advice that enables readers to make confident decisions and attain financial security.