Financial Freedom in 8 Minutes a Day: How to Attract and Manage All the Money You'll Ever Need

After a promising start based on the worthwhile idea of applying psychology tenets to personal money problems, the authors of this coy and self-congratulatory text bog down in standard money-guide terms--net worth, asset calculation, expense tracking, cash flow and so on--which in this long-winded version complicates the issues under discussion as much as clarifies them. The Hulnicks are psychology counselors and co-directors of the University of Santa Monica in California. Their curriculum here, with quizzes and charts, demands self-discipline of the reader in the form of daily record-keeping, controlled spending and systematic saving in a framework of positive-thinking exercises to ``attract'' financial gain. (Mar.)