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• Cover
• Table of Contents
• Title Page
• Copyright
• Dedication
• Acknowledgments
• About the Author
• Foreword
• Introduction
• My Story of Overcoming Financial and Personal Problems
• Discrimination Can Damage Your Finances Too
• A Spiral of Success
• How to Use This Book: Faith, Finances, and Your Future
• Chapter 1: Resilience and Grit in the Face of Adversity, Transition, and Change
• The Drive: A Famous Sports Comeback
• Understanding the Value of Transition and Change
• The Upside of Your Transition and Stress
• Defining and Developing Resilience
• Financial Resilience
• Structural Inequality and Systems
• Many Forms of Resilience
• Write a Letter to Yourself from the Perspective of a Compassionate Friend
• Fostering Social Resilience
• Enhancing Physical Resilience
• Recognizing and Embracing Your Strengths
• Resources for Resilience and Grit
• Chapter 2: Building Your Resilience
• Strategy 1: Practicing Mindfulness
• Strategy 2: Cultivating Gratitude
• Strategy 3: Journaling
• Strategy 4: Being Patient with Yourself
• Strategy 5: Practicing Self‐compassion
• Strategy 6: Seeking Professional Help
• Strategy 7: Staying Connected
• Strategy 8: Focusing on Self‐care
• Strategy 9: Establishing a New Money Game Plan
• Strategy 10: Creating a Financial Plan B
• Resources for Building Resilience
• Chapter 3: Downsized from a Job
• The Handwriting on the Wall
• Downsizing and Layoffs Are Painful—and Widespread—in America
• The Rise of AI Will Lead to More Job Loss
• The Emotional Aspects of Job Loss
• Coping Strategies to Help
• Three Crucial Financial Steps in the Wake of Job Loss
• Interim Economic Moves to Survive a Downsizing
• Job Hunting the Right Way
• 10 Best Career Reentry Strategies to Find New Employment
• Reflect, Analyze, and Improve Your Way to a New Job
• Should You Look for Another Job at All?
• A Pivotal Turning Point
• Is Entrepreneurship Right for You?
• Downsized from a Job Resources
• Chapter 4: Divorce
• The Financial Cost of My Divorce
• Women Pay Alimony and Child Support Too
• Casting Off Your Ex‐spouse Financially
• Protecting Your Credit During Divorce
• Long‐term Planning During Divorce
• Common Financial Mistakes to Avoid During Divorce
• Post‐divorce Stories of Emotional Recovery
• My Sister’s Divorce Story
• Divorce Resources
• Chapter 5: Death of a Loved One
• Bouncing Back Amid the Pain
• Coping Strategies to Deal with Grief
• The Six Transition Truths
• The Trauma of Losing My Sister
• Understanding Your Ancillary Losses
• Taking the First Crucial Five Steps
• Handling Special Circumstances
• Finding Missing Money
• Making It Past the Initial Phase
• Emotional Responses to Financial Grief
• Death of a Loved One Resources
• Chapter 6: Disability
• Setting the Bar Higher
• What Are Disabilities and How Prevalent Are They?
• A Comprehensive View of Managing the Challenges Tied to Disabilities
• The Basics of Disability Insurance and How It Can Help Financially
• All About Social Security Disability Insurance
• Eligibility for SSDI
• A Profile of Who Collects SSDI
• A Host of Benefits with SSDI
• Claiming Social Security Disability Income or Workers’ Comp Benefits
• Getting Workers’ Compensation Benefits
• What to Do If You Get Sued for Overpayment of Disability Benefits
• Six Alternative Income Sources When You Have a Disability and Can’t Work
• Federal and State Resources That Help the Disabled and Their Caregivers
• The Mind‐Body Connections That Can Help You Overcome a Physical Disability
• Bouncing Back from Disability
• Disability Resources
• Chapter 7: Disease
• Disease Can Spark a Cascade of Medical Bills
• How to Handle Lost Income and Employment Challenges
• The Importance of Building the Right Support System
• How to Communicate with Health Care Providers
• How to Deal with Insurance Companies
• Appealing a Denial from Your Health Insurer
• What Medical Providers and Health Care Systems Can Do
• How to Handle Medical Debt
• The Vicious Cycle of Chronic Illness, Disease, and Medical Debt
• Strategies for Dealing with Medical Debt
• All About Charity Care Programs
• Drawbacks to Charity Care Programs
• Using “No Surprising Billing” Legislation to Your Advantage
• Steps for Taking Care of Your Emotional Health
• How to Develop a Financial Recovery Plan
• Disease Resources
• Chapter 8: Disasters
• No Aspect of Life Untouched
• The Long‐lasting Impact of Natural Disasters
• Understanding Billion‐dollar Weather and Climate Disasters
• An Insider’s View of How Disaster Recovery Works
• All About Free Money from the Red Cross
• What to Do the First 24 to 72 Hours After a Disaster
• What to Do the First Week to 10 Days After Disaster Strikes
• How to Secure FEMA Aid After a Disaster
• How to Handle Living with Disaster Six Months Later
• How to Cope with Long‐term Disasters Six Months to Six Years and Beyond
• All About the New Federal Effort Designed to Help Disaster Survivors
• How to Deal with the Two Most Common Insurance Claims Problems
• How to Address Trauma and Manage Your Emotions
• How to Plan for Future Natural Disasters
• Disaster Resources
• Chapter 9: Debt
• How to Recognize Emotional Spending
• How to Enter the No Shame Zone
• A Unique Look at Needs Versus Wants
• An Inspirational Tale of Going from Debt to Wealth
• What to Do If Your Home Mortgage Has Become Unaffordable
• How to Navigate Your Home Options
• How to Deal with Your Emotional Burden
• Fool‐proof, Effective Strategies to Knock Out Credit Card Debt Once and for All
• How to Cut Auto Loan Debt Even If You’re Leasing or Are Upside Down on a Car Loan
• Smart Ways to Eliminate College Debt for Federal Student Loans and Private Loans
• How to Get Others, Such as the Government or an Employer, to Repay Your College Debt
• Solutions to Get Out of Payday Loan Traps
• Easy Fixes for Worrisome IRS Issues and Tax Debt
• Psychological and Emotional Recovery from Debt
• The Path to a Debt‐free Life
• Debt Resources
• Chapter 10: Damaged Credit
• How to Understand What’s on Your Credit Reports
• How Your Credit Scores Are Calculated
• What Causes Bad Credit
• How Piggybacking Off Someone Else’s Credit Can Help Your Credit
• The Benefits of Using Secured Credit Cards
• The Value of Adding Rent and Nontraditional Information to Your Credit Reports
• How to Negotiate with Creditors
• How to Achieve Perfect Credit
• Initiating the Process: Getting Creditors to Collaborate
• Damaged Credit Resources
• Chapter 11: Dollar Deficits
• No Warning and No Good Prospects
• Noticing a Pattern Turns into Purpose
• Dealing with Life’s Blows
• Creative Ways to Turbo‐charge Your Savings
• A Rainy Day Fund Versus an Emergency Fund
• Six Ways to Jump‐start Your Savings
• What to Do If You’re Approaching Retirement and Haven’t Saved Enough
• Strategies for Creating and Maintaining a Realistic Budget
• Understand Four Important Rules of Budgeting
• How to Create a Strong Financial Plan B
• Dollar Deficit Resources
• Chapter 12: Discrimination
• How Discrimination Hurts Us All
• All About Employment Discrimination and the Gender Pay Gap
• Some Facts About Redlining and Mortgage and Housing Discrimination
• My Experience with Appraisal Bias and the Appraisal Gap
• Combating Housing Discrimination
• An Understanding of Racial Discrimination and Its Financial Impact
• Banking Deserts in Low‐income Neighborhoods
• Why Age Discrimination Is Wrong and Its Financial Impact
• All About Gender Discrimination, Shattering the Glass Ceiling, and the Pink Tax
• Some Insights into LGBTQ+ Discrimination
• Facts About Disability Discrimination and Financial Access
• Promoting Disability Rights and Financial Inclusion
• Five Strategies for Dealing with Discrimination
• A Framework for Healing from Workplace Discrimination
• Congratulations and an Invitation
• Discrimination Resources
• Research Resources
• Introduction
• Chapter 1: Resilience and Grit in the Face of Adversity, Transition, and Change
• Chapter 2: Building Your Resilience
• Chapter 3: Downsized from a Job
• Chapter 4: Divorce
• Chapter 5: Death of a Loved One
• Chapter 6: Disability
• Chapter 7: Disease
• Chapter 8: Disasters
• Chapter 9: Debt
• Chapter 10: Damaged Credit
• Chapter 11: Dollar Deficits
• Chapter 12: Discrimination
• Index
• End User License Agreement