Bill and Mary Toohey are average middle income people from a small Iowa town. Bill has been employed for 23 years as a Vocational Rehabilitation Counselor and Mary has worked for 20 years as an Office Manager for a small psychological firm. They started saving and investing in 1991 when their net worth was $63,000.

Easy-to-understand, here is the Tooheys' formula for building assets without earning more money, relocating, or changing jobs--and without suffering. They cover practical planning, investment suggestions, and issues in developing a money saving mindset.