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The article features African American Lachelle Story, focusing on her job, finances and her plans of running her own business, as it offers expert guidance to help her strengthen her financial position and develop her business. The Alexandria, Virginia resident plans to leave her post as a family care coordinator early 2014 to operate her home-based venture full time. It presents her financial snapshot, noting a negative net worth due to her student loan and credit cards.

The article describes the financial problem being faced by newlyweds Latoya and David Griffin and offers an advice on managing their credit card debt. They spent $11,000 for their dream wedding in August 2007 and are trying to pay their heavy debt load. Walt Clark of Clark Capital Financial advises the couple to pay down wedding costs, build an emergency fund, and focus on retirement.

The article offers tips on negotiating personal debts. According to Cheryl Creuzot of Wealth Development Strategies L.P., it is important to manage one's finances like a business. It a layoff or divorce is imminent, there is a need to contact one's creditors immediately. They might temporarily waive interest rates on one's cards. There is also a need to let creditors to know that one is committed to paying his bill if his debt is at the collections stage.