We have all heard the stories. We have seen the US public and the world at large slow to accept the reality. There are likely going to be some changes and effects of the Y2K that strike randomly in the communities around us in the coming months. The Y2K is not a singular day event, it is a series of events and risks that coincide during a six-month period with interrelated consequences dispersed across an 18-month period. The government, business, and banking communities seem to be going through the paces of readiness and testing, but what about the rest of us? What can we do to prepare and avert the certain inconveniences and randomly dispersed more serious impacts that are likely to come? With the GSA predicting that there will be nearly $1 trillion in litigation and Y2K related costs, might we possibly be a victim if we do not do everything that we can to guard against financial harm and personal impact? The focus of this book is on the preparedness of our families and all citizens. Its purpose is not to advocate reactionary panic, but to induce sound, financial, and practical readiness in a timely fashion to assure minimal impact by the fallout of the event itself. The Millennium is methodically divided into four "Millennium Periods" and six specific "Millennium Impact Categories". The chapters detail those periods and categories and leads to a "preparation checklist" that assesses specific risks that must be addressed in each category and in each period in order to minimize overall Y2K impact.