"At age 65, I had to acknowledge that spending every dime I made was not the smartest thing to do. I have worked for most of my life and did not save for my retirement. Now that I am at the age to retire, I find I am unable to do so. Penzola said to me, 'You need to take control of your finances and not let your finances control you.' Because of Penzola, I have a plan to pay off my credit cards, save a little money in an interest-bearing account, and in the next year be able to retire. Praise Jesus."