Broke and Don'T Know it : 9781418416140 : 19 Jul 2004 : The fact is, until we understand and apply practices that eliminate or reduce on-going expenses, middle-class Americans won't begin to enhance their quality of life. We must do what is required to have disposable money available to save/invest. Broke and Don't Know It is a lighthearted and refreshing approach towards addressing financial woes. If your annual adjusted gross income is less than USD92,754, you need to read this book. It identifies symptoms of being broke It provides an overview of bad debt, income taxes and excessive insurance premiums It recommends solutions This book is not meant to take the place of getting professional advice. It is being written for the sole purpose of sharing financial knowledge, strategies and insight. It is not the intent, implied or otherwise, to market, solicit or sell any financial products.