It is no secret that we are living in an increasingly litigious society. What may come as a surprise, though, is that we are far more likely to be involved in a costly legal dispute with a former loved one than we are with a stranger. In Love and Money, Ann-Margaret Carrozza will help you to easily understand and implement essential legal strategies to prevent you from doing legal battle with someone you once shared Thanksgiving dinner (or a pillow) with.

Through an engaging narrative, including amusing cautionary tales, readers will learn how to utilize contracts to identify and avoid costly relationship landmines, reduce pet peeves, and create a joint mission statement, all the while ensuring that one’s wealth and values are transmitted to future generations.

Love and Money demystifies many legal structures, including:

  • Prenuptial
  • Postnuptial
  • Cohabitation agreements
  • Love contracts
  • Wills
  • Trusts
  • Powers of attorney
  • Healthcare advance directives

After learning how to erect legal barriers against external wealth destroyers and evildoers, the focus of the book moves to internal wealth destroyers. Readers will learn how to identify and combat internal wealth repellants such as low self-esteem, fear, and stress. Becoming and remaining wealthy requires more than just money. This book provides a unique education about the interrelated nature of the internal and external laws of wealth and how to put them both to work for stronger relationships with one’s finances and loved ones.


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Testimonial from Dr. Phil McGraw

In “Love and Money,” Ann-Margaret Carrozza, a preeminent asset protection attorney, teaches us how to keep those people with “larceny in their hearts” out of our pockets, bank accounts, retirement funds, and every other accumulation of our hard-earned money. Sometimes, those who seek to redistribute the fruits of your labor are those closest to you, with whom you have been the most intertwined. Over forty-plus years of dealing with relationships, I have observed that people certainly divorce a different person than they marry! Ann-Margaret teaches us that the old saying is true: “Good fences make good neighbors.” More importantly, in “Love and Money,” she teaches us all when, where, and how to build those fences.

There are many terrific books on investing and wealth building. Ann-Margaret Carrozza understands that it is not what you make, but what you keep, that matters. “Love and Money” goes an important step further, asking us to consider the folly of focusing exclusively on building wealth when it can be so easily lost to destructive breakups, lawsuits, sinister con artists, and ill-advised business dealings. She teaches us how to effectively utilize contracts for a variety of personal situations that could otherwise turn messy, and she shows us how to erect legal barriers against those outside of our personal lives who may try to take advantage of us and destroy any wealth we may have accumulated. She does so in language we can all understand, which is why she is such a valued expert contributor on Dr. Phil.

I have often said that money problems are not solved with money. There are powerful internal factors responsible for most lottery winners and other windfall recipients who blow through everything in short order. Ann-Margaret teaches us how to identify the traits within ourselves, such as low self-esteem, fear, and stress, which can negatively affect wealth. In “Love and Money,” she shares the actual internal strategies she utilized to go from being “in debt up to her eyeballs” to a successful real estate investor and business owner.

I highly recommend this book if you wish to protect your finances from costly legal and relationship troubles while simultaneously strengthening your financial bottom line. You will read this once and then continue to refer to it for years to come.

—Dr. Phil McGraw

November 2016