In our book, Invest in Yourself: Six Secrets to a Rich Life, we share our philosophy and practical tips for living a more fulfilling life, with less stress, doing more of the things you want to do, on less income. For a sampling of some of our more practical advice, here's an excerpt from "Driving a Winner," our chapter on car buying. For a taste of our more philosophical bent, here's an excerpt from the book's introduction.

            All it really takes is the right investment portfolio. A portfolio not just of stocks and bonds, but one that includes investments in yourself and in your family. Like any good portfolio, the best investments you can make in yourself are diversified, flexible enough to change as you and your goals do, carefully managed, and geared to the long term.

            To create the portfolio that's right for you, you've got to invest time and energy in figuring out what you really want -- and what will get you there.

            While the good life is different for each of us, and one-size-fits-all formulas don't work, everyone, no matter how deep in debt, no matter how unhappy at home or at work, can change direction and make dreams come true, without being irresponsible or reckless. Sometimes all it takes is a bit of fine-tuning. At other times, major modifications may be in order.

P.S. Meet Baby Lucy and all of our 9 grandkids, and see our 10,000 square foot organic garden.