This book was painful to read. I constantly wanted to put it down but thought it might get better - it didn't. The author wants us to feel sorry for her for losing her savings when she has a house in NYC, Florida, and Long Island as well as a car, a rarity in NYC, family and friends who constantly lavish her with gifts and free Four Seasons meals, as well as a constant stream of all her possessions- Louis Vuitton bags, Baccarat, Christian Louboutin shoes, jewelry, and on and on. It was so materialistic and petty that there is no way with someone who is not extremely wealthy and materialistic to sympathize with the author. Additionally, her writing style is disjointed and annoying. And she did lose her savings, she wont' say how much, but she did not become homeless or a bag lady. Poor Ms. Penney might have to quit getting the NY Times or cancel her home phone, both of which she kept when she cut out everything but "necessities."