Jamie and Sheena are both 28 and in debt up to their eyeballs. They appear on a financial makeover television show and learn that to reach their Findependence Day – a contraction for Financial Independence Day – they’ll have to practice Guerrilla Frugality.

They learn Guerrilla Frugality is a life-long stance to money. Early in life, they must spend less than they earn and allocate the difference to eliminating all debts, beginning with credit cards and ending with a mortgage. Later, when debt-free, they have to “pay themselves first” to build their investments.

The novel takes the couple through roughly 12 sequential steps, many of which will occur in the same order for most young couples. They are told by two different certified financial planners (CFPs) to get a financial plan to map out their financial future.

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