Transforming Lives $40 at a Time is a book filled with vivid color photographs and stories (based on interviews) bringing readers face-to-face and heart-to-heart with some of the world's poorest women (and a few men) from 13 countries on five continents who, through relentless hard work and microfinance, are pulling their families and entire communities out of poverty's dehumanizing grip. The economic, social and personal changes are monumental.