Seth Godin, the internet marketing guru’s blog post today, is asking, “Are you uninformed, clueless, or frightened?”  And, bang, I thought, that is what many of my readers are.

Uninformed-you know you need to learn how to manage your money better, but just aren’t sure how to get started.  The first step, is just- Take the first step.  Read my blog, read the other personal finance blogs listed on the right, download the free e-book, Emergency Money Resuscitation.   Read my book, The Millionaire Nurse. Out soon I promise!  Go to the library, an investment in learning about your finances is a bargain!

Clueless: This is not judgmental.  This just means there are many folks, who need help with money management, that just haven’t realized it yet.  They have been living paycheck to paycheck for so long they think it is normal.  They have always had a car payment- so what?  They don’t understand the freedom it can bring to your life to have a financial cushion called savings and the Super-Duper Emergency Fund. All their friends are broke, so why should they be different.

Frightened- These are the people desperate for help, but are frozen.  The recently divorced single mom, trying to keep the lights on and food on the table.  The couple who just got their first collection call ever-”I have never been late paying my bills, but my husband just got laid off!”  Or, ” I don’t know why I bought that, I didn’t need it, but I have been working so hard-I deserved it!” Then you get home, and wonder, “Why in the hell did I do THAT?????

So where are you?  Let us know how we can help.  Let us know what your questions, fears, concerns, and needs are.

And thanks Seth!  And by the way, Linchpin-great read!