What is the chance one will not achieve financial success? Do people consider that financial success is possible? What percentage of Americans achieve $500,000 in savings? What income levels accumulate huge debts? Why is time important in the process of wealth accumulation? What stops living paycheck to paycheck? How important are liabilities and assets in wealth accumulation? How necessary is a large income to allow for saving money? How does one find extra money so they can save for financial success? What difference, if any, does it make if one spends and then saves versus saving and then spending? How much money have those close to retirement age saved? Dr. Ridgway addresses these topics and questions, and more, in Destroying Living Paycheck to Paycheck.