During tough times, what’s the difference between those who survive . . . and those who thrive?

Through her groundbreaking research of the wealthy, trusted financial coach Jean Chatzky has identified the traits and habits of those who have moved from the lowest economic strata to the highest. The good news: These attributes, beliefs, and behaviors are all things you can learn.

The Difference Wealth Building Journal is designed to help you take a close look at where you are now and provides a series of exercises to get you where you want to go. As you complete this journal, you will:

•Take control of your spending (and find the cash to fund your dreams)

•Overcome typical investment anxiety with a simple step-by-step plan

•Break down long-term financial goals into manageable pieces

•Evaluate your sense of optimism, resilience, and connection to others (and learn how these personality traits lead to wealth)

•Discover that feeling grateful is the fastest way to feel rich

As you’ll see, the difference is within you: You have the power to determine your financial future and make strides toward the next level of wealth.