Jim James, the old man, offers insights and lessons he learned the hardway on relationships, work and lifestyle, goal setting, the purpose of life, the purpose of money, debt, problem solving and decision making, and motivation. He also explores the concept of MARGIN, the difference between the LOAD we all bear in life and the POWER we have to carry the LOAD. With MARGIN, we have freedom of choice. The concepts and suggestions herein will help anyone to increase his/her POWER or reduce their LOAD and build more personal freedom.