It's easy to become wealthy: Earn money, spend less than you make, invest wisely, and have a plan for financial disasters, says the TV and print financial expert. The rest are details that mean nothing if these four basic strategies are not in place. Chatzky is a refreshing, at times innocent-sounding, speaker, but her persistence is ever present as she pushes women to accept financial responsibility. She takes money management out of the competitive realm and encourages gentler practices, such as mindful and humanitarian spending. With encouraging warmth in her voice, she describes the internal conflicts women have about being more proactive with money and describes relationship issues that often lead women to abdicate money responsibilities to a man.