The Shepherd's Guide through the Valley of Debt and Financial Change is the most comprehensive manual for financial management, planning, counseling, and coaching available. This encyclopedic book (419 pages) contains the basic information and techniques with facts, references, illustrations, worksheets, and case studies. Besides the most crucial issues of today, unique features are 15 budgets/plans, addictions, divorce counseling, low-income resources, pre-marital education, adjustments to financial crises/downturns, funding for college, office politics, economic theology, pastoral care, and Scripture references. New concepts of "financial freedom" are presented. It is a practical resource management book for those who need the education themselves and equips them to assist others.