Ron Beckner has lived the story. He worked two full-time careers at once, spent years in the trades, and lived paycheck to paycheck long before he became a financial educator. He reminds contractors that the biggest financial issue is not income. It is understanding the tool called money. Contractors know how to earn it. They definitely know how to spend it. But what they were never taught is how to use money in a way that sets them up for the future. That gap in education is