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Okay, folks, do you want to turn those fat and flabby expenses into a well-toned budget? Do you want to transform your sad and skinny little bank account into a bulked-up cash machine? Then get with the program, people. There's one sure way to whip your finances into shape, and that's with The Total Money Makeover. It's the simplest, most straight-forward game plan for completely making over your money habits. And it's based on results, not pie-in-the-sky fantasies.

After the end of her marriage, Kate Granger has retreated to her parents' home on Lake Superior to pull herself together - only to discover the body of a murdered woman washed into the shallows. Tucked in the folds of the woman's curiously vintage gown is an infant, as cold and at peace as its mother. No one can identify the woman. Except for Kate. She's seen her before. In her dreams...