O.W.N I.T. is a tool that can be used to help you navigate through common financial challenges. Written for all ages, O.W.N I.T. provides practical ways to jump start your financial awareness and help you create and eventually reach long-term financial goals. Using personal examples and anecdotes that many can relate to, this book servers a starting point for conversations about financial awareness, pointing the reader to additional resources to support a lifetime of learning and growth in the areas of budgeting, saving, and investing.