Foreword / by David Goetsch -- Tutorial: Why we suck at money (and how to use this book to get better at it) -- Stage I: Power up. Define your mission, choose to accept it ; Power up with an "Oh, crap, I didn't see that coming" fund ; Make frugality work for you ; Budget like you're building a house ; Don't let money destroy your relationship -- Stage II: Optimize. Break up with your bank ; De-consumerize your brain ; Join the 800 club (we're talking credit scores) ; Supercharge your debt-payoff plan ; Take the fear out of April 15 -- Stage III: Grow. Build a "lazy" investment portfolio ; Learn to negotiate like a shark (or at least like a piranha) ; Do the side hustle, boost your money goal -- Conclusion: Get money.