families continued to use credit-justifying it by the sense of freedom it gave them. They viewed the practice as harmless and inexpensive: Why not borrow some money and have a little extra to do the things I'd like to do now? In today'plex financial arena, it is easy for families to feel that day-to-day decisions regarding consumer expenditures, savings, and debt have little influence on wealth growth because they are not professional money managers, but that is far from true. The purpose of this paper is to demonstrate a potential for increased wealth creation within a household through the use of a wealth sensitive integrated financial statement analysis that adopts the sound financial monly espoused in family and personal finance literature. With the help of professionals, family money