This is a household profile of a participant in the U.S. Financial Diaries project. Sandra Young, 52, is an African American woman living in Brooklyn with her grown children: Tyler, 25, and Kayla, 24. Sandra manages several branches of a tax preparation agency, which means that she earns most of her income during the six months between November and April. She receives more than 50% of her annual income in the months of February, March, and April alone. She carefully plans out her spending to stretch this income across the full year, scrupulously avoiding all debt. Her daily review of her budget is critical to her financial management system.