Congratulations! You made it. While you may not be quite ready to launch your own line of wealth-building DVDs or offer money-saving tips on late night TV, you have hopefully developed an appreciation for responsible personal finance. The most important thing to remember is that smart financial decisions lead to personal freedom. Making the right choices with your pocketbook will help you live the kind of life you have always dreamed of. Make the wrong choices and you may end up talking to the banks more than your family.