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Million Dollar Dilemma: Love Me, Love My Dog #1 (Life, Faith & Getting It Right #7)

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I'm a P.K., preacher's kid (or if I want to get fancy, a T.O., theologian's offspring). I grew up afraid of my own allowance....

So when over $20 million falls into her lap, Cassia Carr views her Midas touch as a cross, not a blessing--and certainly doesn't anticipate the difficulty of giving it all away!

And it's hard enough to gauge romantic feelings without the chaos of a major windfall. Her globetrotting neighbor, Adam Cavanaugh, seems interested--but in Cassia or her fortune? When Adam abruptly disappears, should Cassia forget him or follow her heart to an unknown, life-changing destination?

320 pages, Paperback

First published September 1, 2005

16 people are currently reading
438 people want to read

About the author

Judy Baer

106 books125 followers
aka Judy Kaye

Judy Baer was born and grew up on a farm on the prairies of North Dakota, USA. An only child, she spent most of her days with imaginary people-either those she read about or those she made up in her head. Her most ambitious conjuring did not succeed, however. She kept a clean stall with hay and oats for the horse she imagined would come but unfortunately, it never did. As an adult, however, she managed to make that dream come true and raised foundation quarter horses and buffalo for some years. A voracious reader, Judy learned to read with comic books, anything from Little Lulu and Superman to the Rawhide Kid. She sold her first story for $10.00 to a farm magazine. She still has the $10.00.

She graduated from Concordia College, Moorhead, Minnesota with a major in English and education and a minor in religion. At the time, she was simply studying what interested her, but now realizes that she was educating herself for her future career as an inspirational christian romance writer.

Judy wanted to write for Harlequin even in high school but it wasn't until her youngest child learned to say "No" that she realized that she'd better consider a second career to fall back on when mothering was done. Her first book was written with her little girl on her lap. Judy would type a few words, say "Now, Jennifer," at which time her daughter would hit the space bar before Judy continued typing. It wasn't the fastest way to work, but it offered a lot of mother-daughter time together. An over-achiever, she's written 71 books for various publishers. The mother of two and step-mother of three, she now has lots of family to enjoy.

In 2001, she went back to school and became a certified professional life coach. Currently she is working on her Master's in Human Development in the areas of writing, coaching and spirituality and writing inspirational Chick Lit which, she says, is the most fun she's ever had writing.

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5 stars
149 (27%)
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138 (25%)
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Displaying 1 - 30 of 39 reviews
Profile Image for Lindsey (Books for Christian Girls).
2,174 reviews5,144 followers
February 8, 2017
About this book:

"I'm a P.K., preacher's kid (or if I want to get fancy, a T.O., theologian's offspring). I grew up afraid of my own allowance....

So when over $20 million falls into her lap, Cassia Carr views her Midas touch as a cross, not a blessing--and certainly doesn't anticipate the difficulty of giving it all away!

And it's hard enough to gauge romantic feelings without the chaos of a major windfall. Her globetrotting neighbor, Adam Cavanaugh, seems interested--but in Cassia or her fortune? When Adam abruptly disappears, should Cassia forget him or follow her heart to an unknown, life-changing destination?"

Series: Yes, ‘Steeple Hill Cafe‘. Does not have to be read in order.

Spiritual Content: Ecclesiastes 5:12 in the beginning of the book. Proverbs 11:24, Proverbs 15:3, Proverbs 12:24, Psalms 37:16 & Luke 6:38 all in the first chapter. This was the most (as of 3/3/13) book I’ve read for this blog that had the most scriptures. A++ Fantastic! Adam isn’t as strong in his faith as before his mission trip.



Negative Content: Adam has flashbacks about the country he served in; some in details.

Cassia Carr

Adam Cavanaugh

312 pages

P.O.V. switches between Cassia & Adam (Mostly Cassia- it’s her book after all ;) )

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*

Cassia doesn't want the money the came into in lap, she tries to give it away...but that doesn't work well.

I think I find a new favorite.

*BFCG recommends this book by this author. It does not mean I recommend all the books by this author.

*By Lindsey @ http://booksforchristiangirls.blogspo...
Profile Image for Lydia Howe.
Author 4 books75 followers
March 14, 2017
Oh dear. I don't like not liking books. As an author I don't really like reviewing books I don't like, either. So, UGH. I would provide a list of pros and cons, but sadly there's like one pro and twenty cons, so that might look slightly off-blanaced. (I read this book because of someone else's 5-star rating, so obviously there are people out there who really enjoyed it. I'm just not one of those people.)

The one thing I did like was hearing about the plight of children in Burundi, although it felt so far out of congruence with the rest of the book that I had a hard time being okay with how it was displayed.

As for what I didn't like? In an effort to be brief, I won't go into a lot of detail. I didn't like any of the characters. I didn't like the plot. I felt like the main character was whiney, immature, and a huge brat. Plus, the book was full of redundancy and contradictions. The main character is "frugal" and "hardly has enough money to live on" yet quits her job and eats out (ordering an appetizer, main dish, *and* dessert), and chows down on ice cream all the time. That's not exactly the way to be frugal.

There are so many stupid miscommunications, a lot of suspension of belief, a totally wrong mindset about how to deal with problems, and a bit of theology I didn't agree with, plus another bit of theology that was seemingly stuck in there just to make a point.

And there's more I could say, but I'll leave it with that and hope I didn't come across as too harsh....
Profile Image for Sandy Griffin.
33 reviews1 follower
September 26, 2017
This month (September 2017), was officially my initiation into the Christian YA genre. "Million Dollar Dilema" was my initial choice, and I cannot thank Lindsey (Books for Christian Girls) enough for her recommendation of this book on her YouTube channel. I absolutely LOVED it. I've often wondered how I would react should I ever become incredibly wealthy, but never once did I picture it from the perspective of Cassia. I learned some tremendous spiritual lessons and truths from this book, and will likely never again view money as nonchalantly as I have in the past. The story of Cassia's accidental lottery win was fast paced and held my attention through the entire book. The writing was fresh and upbeat, and the inclusion of scripture was a HUGE plus for me. Since finishing this book, I've also purchased Judy Baer's first book in this series, "The Whitney Chronicles". I can hardly wait to read it! I highly recommend her books for ANYONE who enjoys a good read, whether YA or adult. Good stuff!!
Profile Image for Natalie.
3,461 reviews126 followers
October 29, 2017
1.5 stars, mostly because I find Cassia to be one of the most annoying heroines I have ever read about. She's incredibly immature and constantly feels sorry for herself. Her thoughts are basically this: "oh poor me, I won the lottery and now have $20 million, could anything be worse???" To answer your question, Cassia, YES. There are plenty of things worse than winning 20 million. I wouldn't have minded if she had an issue with the money at first, but she never moved on from it. Throughout the whole book, she bemoans that she won this money.

She's also extremely hypocritical. She talks about how she hates the lottery because it involves getting money by "ill gotten gains" - but what does she do when she gets the money? Quits her job! She talks about how horrible it is to have this money but doesn't seem to have any qualms about living off of it. I think the author went a little overboard in making Cassia thrifty. Rather than simply being frugal, she comes off as a cheapskate with no sense about money. She has to buy a new car, but she says she wants "the red one" just because it's red! She doesn't have to buy a Jag or a BMW but this girl literally buys a car without doing any type of research other than the color!

I also found Cassia to have a very "holier than thou" attitude and she really seems to look down on people, especially when she incessantly quotes Bible verses with no context whatsoever. She is a snot to her sister too. She actually asks if her sister has gained weight and tells her she needs to eat less!

Add to that a massive amount of anxiety about weird things and she was overall extremely unlikable. I can't remember how old she is supposed to be but I believe she is in her mid to late twenties, but her thoughts and the way she reacted to things made me feel like I was reading a middle grade novel. She acts like she is about 13.

Also - Cassia faints ALL. THE. TIME. I've read Victorian and gothic novels with female characters that faint with fear, but they have nothing on this girl. She literally seems to lose consciousness at the drop of a hat. The weirdest things make her pass out, and ugh. They just make her seem so weak and helpless.

And then there's the fact that despite all these annoying traits, she still has 3 guys that want her! How is this possible???!!

This was ultimately very unsatisfying because the main character was so obnoxious.
Profile Image for Elizabeth.
79 reviews1 follower
August 8, 2007
When Cassia accidentally wins the lottery, what will she do with her earnings? This is a bad, bad, BAD Christian RomCom. Cassia is totally gorgeous, but of course she doesn't know that (low self-esteem?). Cassia is better than you because she always does EVERYTHING right, she has like the ENTIRE BIBLE MEMORIZED, and the one time in the book she "sins", it is... not that bad of a sin, really. Plus the Romance involves the whole 'Good Little Girl (literally) saves the soul of the "Bad Boy" (although he really isn't that bad) and wins his heart' trope. Which I hate, by the way. Is it bad that I liked one of the non-romantic-lead guys better than Gary Stu? The only good thing about this book: it was a fast read. I dunno, I couldn't look away, it was so very bad.
Profile Image for Serena Lawson (nthepages).
43 reviews23 followers
July 31, 2014
I really enjoyed this book! The story follows Cassia who works in an office that is always collecting money from everyone for a baby shower, wedding shower, etc. and Cassia puts money is the envelope one week thinking it is for some sort of shower; however, it turns out it is to purchase Lottery Tickets ..... and then they have the winning ticket. As a Christian, this is a huge struggle for her as she would not support this sort of thing given that it is considered gambling.

Cassia then decides to give the money away but is going to wait on the Lord to tell her how he wants it directed. Giving the money away turns out to be harder than she ever thought. In the midst of this struggle there is also a love story developing. She has 3 potential suitors... Ken from back home who is very financially stable, Randy from work who adores her and then there is Adam who is her very dark but very attractive neighbor. She and Adam become friends and she really trusts him and comes to enjoy spending time with him and confiding in him. However, there is something he isn't telling her.

Can't tell you much more as I don't want to spoil this one!

The story does start off a little slow but once it picks up, it really grabs your attention!

101 reviews1 follower
August 16, 2013
To be honest, I had to quit reading a third of the way in, it was that bad. And it wouldn't have been if the main character hadn't insisted on acting like winning the lottery was the worst thing that could happen. How many in the world could use just a teeny bit extra to keep the rent paid, the lights on and food in their bellies and this annoying wench just complains and complains in a nauseatingly self-righteous fashion. The author using Christianity to back it up sickens me. Want to be against the lottery? That's fine, I get it. But then shut up and do good things with it! Instead the author picks scripture verses about money completely out of context and applies them to this...seriously? Truly awful book and I can't see myself reading anything else by this author again.
270 reviews5 followers
December 7, 2021
(3.5 stars)
Age Recommendation: 16 and up, possibly older
Romantic Content: Typical Christian Fiction romantic content. Cassia has three guys interested in her. She's interested particularly in one man. She notices he's pretty attractive and vice versa. They fall asleep on the couch in his apartment while watching a movie, and she's in his apartment a lot with the door open. A guy calls her babe, darlin', etc. She goes on 'dates'/hangs out with other guys too. There's one kiss on the cheek., and one on the forehead. There's a woman who's gorgeous and flirts with guys.
Violence Content: N/A
Swearing: N/A
*For Negative Content and Spiritual Content, you could look at Lindsey@BFCG's review of this*
My Opinion: The premise of Million Dollar Dilemma was really fun, and I enjoyed the unique storyline! The way Cassia reacts to the lottery is funny too, and it gives a new perspective to winning the lottery. However, I did think that at a certain point, Cassia was just being ungrateful. There are a lot bigger problems out there besides winning 20 million dollars. Sometimes, I thought the romance was cringy. Case and point on Pg. 163: "His shirt was a pale blue and open at the neck to reveal a pleasant thicket of dark chest hair. He was barefoot, and I observed that even his feet were chiseled and beautiful. Had the man no flaws whatsoever?" Excuse me while I go die of laughter now. :D I also felt like Cassia led some of the guys on when she shouldn't have. The storyline of making a difference in Burundi gave the book a little added depth. The Scripture references were also good. Overall, I did enjoy Million Dollar Dilemma, and I would recommend if you are looking for Christian Romantic Fiction with a different storyline.
Profile Image for Adriana.
3,541 reviews42 followers
February 28, 2019
The overall premise is good but there was just so much scripture brought into the story that it annoyed me. I get that I'm reading a Christian contemporary novel and I consider myself a religious and tolerant person, but I wasn't expecting to get constantly hit with it.
I also really didn't like how leading lady Cassia freaked out about how her lottery winnings were ill-gotten gains and how irresponsibly she kept trying to give it all away. There's such a thing as going too far in the opposite direction of greed and Cassia just felt ridiculous after that.
That said, the bare bones of the story has potential and there were interesting tidbits sprinkled throughout the story so it wasn't a total horror of a book, just too pushy with the Christian angle.
6 reviews
March 15, 2019
Just What I Wanted

I was down reading a book that left me feeling disheartened and looked up books that were Christian and made you laugh. This author was one that was suggested. I enjoyed the story that we all imagine of coming into a big windfall of money. I enjoyed how Judy Baer threaded the will of God into each situation and how Cassia changed what she perceived as a downfall into something that helped the world. It didn't hurt to see Adam find his place back in God's will and I love happy endings. Judy showed us that God never stops looking for his children.
August 22, 2025
This is a great book! I love this writing style so much, and there is a lot of Christian content.
There is no language, and the book is very clean. The romance is sweet, though Adam got on my nerves at times.

I recommend this for 15+.

For more information on content, you can read my review on my blog, livingabookishlifewithChrist.com.
Profile Image for Natalie.
96 reviews
November 27, 2019
I had been wanting to read one of Judy Baer’s books for a while now and I decided to start with million dollar dilemma. This story did not disappoint, and I loved the mentions of Burundi.
Profile Image for Esmeralda_L+L.
412 reviews13 followers
Read
April 23, 2020
DNFed after reading a couple sections throughout the book. Terrible writing quality and the dialogue was ridiculous.
61 reviews
June 30, 2025
it felt a bit rushed at the end, but other than that, it was just lovely
Profile Image for Stephany.
1,053 reviews53 followers
June 7, 2010
Judy Baer is the best at chick-lit Christian fiction. She infuses humor, light heartedness, real issues, and faith all in one package. I really wish she had more books out because I think I've read all her chick-lit books!

This book was about Cassia, a girl who is used to living frugally and likes living frugally. She grew up as the granddaughter of a pastor who preached about it. She was working late on a Friday and one of her co-workers asked her to put $5 in the envelope on her desk. Figuring it was for a baby shower or wedding gift, she did.

Instead, that money went to buying a lottery ticket and the group ended up winning. A girl who enjoyed living frugally ended up with $20 million dollars to her name.

The book follows her as she figures out how to deal with this money and what she wants to do with it.
300 reviews6 followers
February 9, 2013
Christian chick-lit. I love scripture in novels, but the way the author places scripture is very dull and contrived, as are the heroine's problems. The 'struggle' she goes through in the book is very unrealistic. Cassia 'accidentally' plays and wins the lottery, experiences guilt and doesn't know how to handle the money. I would much rather have had Cassia actually knowingly buy a winning lottery ticket, then be convicted about gambling.

Her love interest does the right thing for the wrong reason and his 'error', tiny though it was, drives them apart for a while. I was disappointed that this book wasn't better since I read the Cedar River Daydreams series with my daughters when they were teens and it was a great series.
Profile Image for hevuschka.
69 reviews1 follower
Read
October 13, 2021
4.5 stars
The only thing that bothered me about it was the way they (the main character's family) make Bible references by just saying the verse number
That is unrealistic, because I doubt anybody would learn every Bible verse and its number. It also gives the reader the feeling that they should be able to do that too, which they don't because the verse numbers were added to the Bible later, to help people find the verse they are looking for, but what matters more is the verse itself
Other than that, I love this book and it's so cute !!
Profile Image for Dymphie.
681 reviews10 followers
September 25, 2014
Je hebt vakantie en leest dan wat stapeltjes weg.
Zo ook deze.
Een romannetje uit de christelijke hoek, met god en bijbelcitaten bijna op elke bladzij.
Een naïef goed uitziend provinciaaltje wint per ongeluk 20 miljoen. En heeft daar een groot probleem mee. Heel onrealistisch.
En een knappe donkere getroubleerde buurman... enfin.
Vroeger was het een graaf of zo, nu is het een bekende journalist.
Alles komt goed natuurlijk.
Och ja.
Profile Image for Ruth.
442 reviews
October 24, 2014
In this book, Cassia accidentally plays the lottery along with her co-workers, and together they win about 20 million dollars (her share comes out to several million after taxes). Cassia has been raised to scrimp and save every penny, so she tries to give the money away, and in the process, falls in love with her neighbor, a world-renowned journalist.
Profile Image for Jennifer Fluegge.
400 reviews
April 12, 2009
I enjoyed reading this book--the author posed an interesting dilemma for her heroine. The way she worked through the issue held my interest and was thought-provoking. Of course, in my other review of Judy Baer, I did say it was pretty light-hearted stuff, and now this book has broken that stereotype of mine!
28 reviews1 follower
November 4, 2011
welllllll ... cute book, most unrealistic premise. But still some reason for pause over what really are good works if you have the resources. Good for those who just like fiction without chick lit baudiness.
222 reviews4 followers
March 30, 2014
This was a really good book. It was very entertaining but also had a great Christian message. It fits right into my life right now when our Sunday School lessons for the last month have been on how we use money in our lives and for God's work.

Profile Image for Lela.
105 reviews4 followers
December 13, 2007
A quick read; the book is entertaining and good for a time when you don't want anything too serious.
5 reviews
June 1, 2008
Fantastic read for anyone struggling with how to fit their Christian faith into today's insane world.
Profile Image for Sheryl.
59 reviews2 followers
October 30, 2008
Cute story, even if pretty far fetched - what would you do if you won millions of dollars that you didn't want?
Profile Image for Erika.
45 reviews3 followers
September 27, 2010
Liked the style of writing and it was a good story. I wished she would have stopped whining sooner though.
35 reviews
Read
January 11, 2011
The first half of the book was a little bit of a struggle to keep interested but then it got my attention and couldn't put it down till the end. Lighthearted mostly, with a love story.
Displaying 1 - 30 of 39 reviews

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