When the F-word is mentioned, some people think of the street slang F-word, which many find vulgar, crude, offensive, profane, and/or improper. Actually, there are many solid, appropriate, descriptive F-words frequently used in communications every day. Faith, family, friends, frugality, forgiveness, fear, fight--Ann realized these F-words describe the ingredients for the foundation to her productive adult life. She shares the lessons she learned from her challenge-filled life with the hope that this book can point others to happiness and contentment.