Dr. Karen Ratliff grew up on the south side of Chicago. Dr. Ratliff experienced being in debt and used the tips she describes in Tightening Your Bootstraps, resulting in a huge decrease in debt. Dr...view moreDr. Karen Ratliff grew up on the south side of Chicago. Dr. Ratliff experienced being in debt and used the tips she describes in Tightening Your Bootstraps, resulting in a huge decrease in debt. Dr. Ratliff paid off $15,000 of debt in less than three months by making a plan of implementation, saving money, using wisdom in spending, and bringing in extra income. Dr. Ratliff is a certified life coach and openly accepted the challenge of coaching, encouraging, and motivating others through their life and financial goals.view less