Phillips has a good point: in close relationships, most people deal with money badly or not at all. Among the unconventional matters she discusses are providing for severely handicapped children, fiscal snarls between parents and their adult children, sibling rivalries in a family business, and introducing youngsters to the ABCs of dollars and sense. Not that the traditional subjects--POSSLQs, two-paycheck households, separation, divorce, and remarriage--are ignored. Apt case studies come with sensible counsel (and no psychobabble): if a breadwinner husband won't share control of the family exchequer with his homemaker wife, for instance, ""there is more amiss in the relationship than a disparity in financial status."" Along similar lines, those remarrying should make a full financial disclosure to their prospective mates (including financial obligations to the children of a previous marriage). The particular merit of Phillips' text, however, is its unflinching focus on overlooked realities. Parents of severely handicapped children are advised to consider disinheriting them--to ensure their eligibility for public assistance. Members of the socalled Sandwich Generation (children of elderly parents, the parents of adult children) are provided with a variety of what-if scenarios. A worthy complement to wider-angle personal-finance manuals.