A complete guide to personal finance with an accompanying computer program designed to provide simple, no-nonsense accounting to help guide your financial decision making. Michael Edwards has a Master's Degree in Computer Science and has worked as Chief Financial Officer for a small Internet startup. He has over 15 years experience as a programmer. Jennifer Edwards has a Master's Degree in Education and is a mother of three with much experience balancing a budget, and balancing her time and energy between family and work.