Reflecting on her own background, author Leesa R. Gern illustrates that we are often faced with financial demands that most of us are not fully prepared to meet. As consumers in an ever-changing economy, we are sometimes left with less than adequate savings to fund retirement, elder care needs, and our children's college education. Taking into account that many people fail to plan, save, and invest for these stages of life, Gern stresses the importance of the financial plan. Without one, you may be living payday to payday, unorganized and financially out of control. She provides a vast amount of information to help prepare for future expenditures and discloses the importance of wills, trusts, and estate planning for passing on your wealth.

Using research and the wisdom gained from her personal experiences, Gern creates an inspiring analogy between finances and gardening to explain the significance of planning, setting goals, and following your passions to grow wealth throughout your life.