I was the stereotypical stay at home Mom with 2 small children, a house in the suburbs and a husband who provided for us as we lived the America dream. Then my American dream ended suddenly. With 2 small children, many financial obligations and little understanding of handling money beyond paying bills. A friend told me that Galia could teach me. That was in 2004. Since then, Galia has not only taught me, I brought my Mom and my Daughter to her also. Through her education, she has saved all 3 of us from what could have been very costly mistakes had we blindly trusted others. All 3 generations continue to work with Galia to manage and build our own financial futures and she empowers us at every step along our path. We highly recommend Galia and Down-to-Earth Finance to anyone who wants to get into the driver’s seat of their own financial affairs and start building their future. — DS, Princeton NJ