This 3-sentence summary provides an overview of the key points from the personal finance workshop document: The document outlines an introduction to a personal finance workshop hosted by Dr. Kristin Palmer, including housekeeping details and an agenda covering tools and templates as well as introductions to budgeting techniques like paying yourself first, eliminating debt, maintaining an emergency fund, practicing lifestyle inflation awareness, and following the 4% rule for retirement spending. The workshop also reviews strategies from books like Your Money or Your Life and Dave Ramsey for minimizing spending and getting out of debt.