Many assume you have to have a lot of money before you can manage your money. James Steamer shows otherwise. And he has the credentials to prove it. As The Wall Street Journal says, Mr. Steamer and his wife have accumulated $250,000 in investments and home equity...and their combined average annual income has been less than $20,000. With these tips on saving, spending, credit, taxes, and more, even a small salary can be stretched...for lasting financial security