We are all "Simbiants" but lets talk about Money Anyway! In my years as an insurance agent and financial advisor to the lower-and-middle classes, I have gained great insight into how to make the financial system work for you AND how the system is built to work against you. It is a game with certain rules that we all must learn to play. And all of us in the lower income percentiles need to be savvy about certain concepts that never cross the One-percenters' minds. Things like where to bank...or not to bank at all. What is insurance all about....and what kind is the best kind. Your money biases and how they affect your financial health. And why is it so expensive to be poor? Bring your money issues to me and let me give you a perspective yo probably have not heard. It's the perspective of an insider who prefers being on the outside, spreading the truth. And, while I will never tell you what you should do, I will give you facts, information, my experience and a point of view that might well point you in the right direction. Building a budget, making a major purchase, dealing with the financial markets, credit and investing; I will give you 15 minutes of my time or 10 inches of email text to give you a new perspective on financial life.