Every Penny Counts

A Financial Planner’s Guide to Surviving and Thriving in a Recession

In times of economic downturn, it’s easy to feel overwhelmed, out of control, and out of options. But Every Penny Counts reframes that narrative. This book is a guide for those navigating financial hardship with resilience, strategy, and dignity. This book combines expert financial planning with real-life examples, helping readers stretch every dollar, increase income, tap into overlooked resources, and build a values-driven life during even the harshest recessions. Every Penny Counts is more than a financial guide—it’s a survival manual for modern times. With empathy, clarity, and real-world examples, it walks readers through recession-era realities and offers tools to thrive. Whether you're living paycheck-to-paycheck or just trying to stretch your income further, this book reminds you that resourcefulness, not wealth, is the greatest financial asset you can have.