To qualify myself with the subjects to be discussed, allow me to introduce my "credentials". First and foremost, I am an older born-again Christian woman of over 41 years still attending a full gospel church. To me, faith in the one and true God and his crucified and risen son, Jesus, are my basis for living - He is the author and finisher of my faith - the answer to the challenges in life. He creates a living change in you. Secondly, I am a mother of four and a grandmother of seven which I believe in being in full support of them in these four areas. I try to constantly be present in their lives and think that there are always teaching and learning moments for all of us within these relationships. Family makes changes in your life - yes, even positive ones. Regarding health....I hold  very strong opinions - those which I have no problem sharing with others even when I have not been asked....I  am also a certified health coach. Lastly, finances....what can I say? It has been hard -  and continues to be, but it is a blessing to me to be able to help others in this field. We have managed to get ourselves (husband and I) out of some hairy situations with God-given knowledge, patience, perseverance and additional sustainable knowledge obtained through following Dave Ramsey, a Christian financial guru. My idea of wealth, of being rich, is to have enough for myself and to have enough to share with or to help others. To live and to make positives changes, living those changes, can change your life or someone else's.