Janine Bolon worked as an analytical biochemist for 15 years (read: major geek!) before leaving her high-paying corporate job to become a full-time, stay-at-home mom.  Little did she know that her self-education in personal finance (to replace her lost income) would lead her to become a respected financial coach. She has been labeled "The Money Muse" by her many successful students and founded the company SmartCents (www.smartcentsinc.com) in 2004 to assist others to become "middle-class millionaires."  She furthers this task through her speaking engagements; her books (Money...It's Not Just for Rich People!, Ditching Debt; Cash, Cars and College: A Young Person's Guide to Money and the soon-to-be-released Curing Your Cash Crisis); and her blog on financial independence (with just a dab of science thrown in too!) (www.themoneymuse.blogspot.com).   While Janine isn’t formally trained in finance, she offers loads of personally-tried tips and tricks to help you work toward a big goal: being debt-free.