Jean Chatzky
For the past two years, Jean's been working on a new book that's aimed to help people secure their financial futures. Early readers say The Difference has inspired them to examine how they manage their money and their outlook on life.

During the next 12 weeks, Jean will share lessons from each chapter of the book. She'll talk with researchers and readers about the big differences between people who are financially secure and those who live paycheck to paycheck. Plus, on March 13 you can download The Difference for free exclusively on Oprah.com.

This week, Jean talks with an Marlyn, an early reader of The Difference , about how the book has affected her life.