Imagine this. It’s Christmas, and your family and relatives are over for dinner. After the turkey, mashed potatoes, and the other fixings have been passed around, you politely ask your brother-in-law to pass the gravy. As he reaches for the gravy, he kindly tells you and your wife how wonderful the dinner is, and then decides to invite you and your family to his and your sister’s mortgage burning party. Your fork slips from your fingers and clangs on your plate. What? How’s that possible? Your sister is five years younger than you! Last year it was the vacation home, and the year before it was the Porsche. “That’s it,” you say to yourself. “It’s time to get my finances in order!” And this time you mean it. The problem is, you don’t know where to start.