Liam Croke is one of Ireland’s leading financial experts. He is a qualified financial advisor and has worked in the financial services sector for the past twenty-four years. In that time he has held several managerial positions with leading financial service providers in Ireland and is the author of four other financial help books. He is no stranger to the media and is a regular contributor on national television and radio. Liam was asked to make a presentation to the Oireachtas and the Joint Committee on Social & Family Affairs on the trends and levels of personal debt in Ireland. His newspaper column, called ‘Making Cents with Liam Croke’, appears each week in the Limerick Leader. He is the managing director of Harmonics Financial Limited. Liam is married with three children.