From their first job to their retirement years, women face unique challenges when it comes to managing their money.  Because women play so many different roles -- and sometimes leave the workforce to raise children and care for family members – they need specific financial advice tailored to each stage of life. In her new book, <I>Kiplinger's Money Smart Women – Everything You Need to Know to Achieve a Lifetime of Financial Security,</i> Janet Bodnar, wife, mother and deputy editor of <I>Kiplinger's Personal Finance m</i>agazine, outlines what every woman needs to know to be financially independent, from breaking out of the paycheck-to-paycheck rut to living comfortably in retirement.<P> <P>Whether you are single, married, divorced, widowed or retired, <I>Kiplinger's Money Smart Women </i>will give you the advice you need on important topics such as:<P><ul><li>Establishing a stellar credit record <li>Strategies for spending less and saving more <li>Investing with confidence <li>Surviving divorce with your finances intact <li>Financial implications of caring for elderly family members <li>Making your assets last during retirement </li></ul><P><I>Kiplinger's Money Smart Women </i>covers it all with real-world advice and practical strategies, and includes “how-to” action steps for everything from investing in mutual funds to boosting retirement income. This is every woman's essential guide to financial security.