Gail lays out a rules-based approach that turns everyday financial decisions into manageable habits. Her concise, focused rules emphasize discipline and clear priorities so money choices feel less daunting.

Coverage spans TFSAs, RRSPs, taxes, borrowing, relationships and breaking bad habits. The advice pairs commonsense priorities (needs before wants) with surprising, practical guidance on when not to borrow for retirement contributions and how to balance saving with enjoyment.

Useful as a checklist or a framework, the book helps readers build a reliable financial foundation and spot blind spots in their planning. HarperCollins; paperback; 512 pages. ISBN 9781443408950.

• Short, actionable rules for daily money decisions
• Practical tips on saving, borrowing and tax-advantaged accounts
• Focus on habits and priorities for long-term stability

We ship at a flat rate of $9.99 per order. Orders $45 and up ship free of charge.