A serial spender discovers that there's a difference between wanting something and needing it.

Sheila Bair has had a long and distinguished career in finance, academia, and government. She is perhaps best known as the Chair of the FDIC during the 2008-2009 financial crisis, when she was twice named by Forbes Magazine as the second most powerful woman in the world. A lifelong advocate for strong financial regulation and consumer protections, she is the author of the New York Times bestseller Bull by the Horns, her memoir of the financial crisis, and is a frequent op-ed contributor and TV commentator, as well as author of several children's books on financial matters.