Our financial foundation is imperative to creating total wellness. We need financial resources to properly take care of our physical body, to feed ourselves, to protect us, shelter us, to pay for medical care. We need a stable financial foundation to have peace of mind, to control stress and worry, to focus on the positive and not be overcome by the fears derived from not having enough money. Retired folks are more afraid of running out of money than dying. We need a solid road map to achieve our financial freedom for retirement, a protection plan against dying too early or living too long. We need to know how money works for us or against us so we can achieve our financial goals. Some of us just need to know that we need financial goals. Two out of three adults are financially illiterate. They do not even know the basics of personal finance. Ignorance is not bliss in this arena, the cost of not knowing how to budget, manage your debt, establish an emergency fund, protect your family from loss of income, invest for your future, avoid taxes, outpace inflation and set up an estate plan is far too high. You were, most likely, not taught this information in school but you must seek it now; your total wellness depends on it.