Money Making Sense

"We don't get into debt by doing the math."  That's from finance guru Dave Ramsey who says getting out of debt, and then creating wealth, is about your behavior.  Dave, and co-host of the Ramsy Show, George Kamel, explain how tens of millions of people have turned their lives around financially by taking 'baby steps.'

George also goes over the questions you need to ask yourself before making any purchase.  He calls it the S.M.A.R.T. system.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

To get a free copy of The Total Money Makeover, email Heather the reasons why you need to learn how to become debt free, here.  The first 3 people who send email will receive the book in the mail.

Not being prepared for life finances will get you into trouble, no matter what stage you're in.  Jay Wells, with Drive Wealth Advisers and Susan Speirs, the CEO of Utah Association of CPAs say the worst thing you can do is pull out money early from a retirement fund to pay for everyday needs.

Learn which type of 'retirement ratio' your advisor is talking about and if starting a Roth IRA in high school is too early.

Call 211 if you need help buying groceries or housing and stop contributing to retirement funds, TEMPORARILY, if you're facing financial difficulties during inflationary times.  These are just a few tips in this episode.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Whether your just starting to lower your spending or feel stuck in the process, Andrea Woroch, a money saving expert, has some quick ideas to get you going -- from reducing your household bills to lowering your car insurance. 

Andrea and Heather have some ideas to spark your creativity into keeping more money in your wallet.  Andrea also recommends checking out the Experian webpage for more hints.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Know where your money is going is one of the top ways to be financially healthy.  That's according to Christine Channels, head of community banking with Bank of America.  She says you need to get educated about personal finances.

She also discusses how to know if your bank is secure and why using one that states they are FDIC Insured is so important.  You can learn more about your own financial health at Better Money Habits.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

FREE help is available to help with your rent, pay for groceries and child care assistance -- but you have to ask.  McKenzie Walsh, certified financial counselor at NeighborWorks Salt Lake, says if you don't know how to fix your car you go to a mechanic.  You should think of your finances the same way -- but payday loan centers are predatory and will steal even more of your money.

Susan Speirs, CEO of UACPA, says using a pay day loan center will cause more financial stress in the future than you are dealing with right now.  You can reach out to 2-11 Services by phone, email or text and also Housing and Urban Development for help.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Replace $4.50 lb beef with $0.99 lb lentils at least once a week.  That's just one tip to save money at the grocery store from cookbook author Toni Okamoto.  In this episode Toni discusses how to save while shopping, meal planning, and storage tips to not waste food.

You can get more information about how to get past living paycheck-to-paycheck in her cook book "Plant-Based on a Budget, Quick & Easy."

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

You should respect debt, not fear it.  That's from Chris Miles, a cash flow expert.  He says getting rid of duplicate types of insurance you may be paying for is one way to free up extra cash.  

In this episode you'll hear several other tips Chris, who calls himself an anti-financial adviser has for finding money you didn't know you had.  You can get more info on his podcast.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Historical stories can teach people how to invest better.  That's according to Patrick Huey, the owner of Victory Independent Planning.  Huey says one lesson we have not learned is "making more money creates inflation."  The adage comes from a story 600 years ago about mathematician Copernicus in his book "History Lessons for the Modern Investor."

Huey also discusses his 7-Pillars of Financial Wisdom when searching for the right financial advisor for you.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

What you believe about money affects your financial decisions.  That's from Ben Hockema, founder of Illiuminate Wealth Management.  He says you need to know yourself better to understand how you deal with money.

Ben also explains the "FIRE" movement, five categories to better manage your cash slow, and why financial planners have the same love-hate relationship with budgets the rest of us do.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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It's more important than ever to find ways to save as much money as possible.  Marlo Oaks, the Utah State Treasurer and Susan Speirs, CEO of Utah Association of CPAs, say paying down debt and changing your behavior about spending are key.

Oaks also says Utah revieved $77 MILLION dollars in unclaimed property last year 
(mycash.utah.gov).  The U.S. has over $68 Billion dollars of money that people forgot is theirs.  FInd out how to see if some of it is yours.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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If you are trying to make money through social media platforms, you may be required to sign 'personal conduct clause.'  Attorney Desiree Talley specializes in entertainment law and says how influencers conduct themselves in their personal lives can affect how much money they do or don't make.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Writer and director, Marvin Samel, brings the story of his family, portrayed by Judd Hirsch, Carol Kane and Sean Astin, to life in the film iMordecai.

Actress Azia Dinea Hale and Marvin discuss the film. It's based on true events and covers the struggle for some seniors to adjust to current technology, to make a living, connect with their U.S. born children, and let go of the worst parts of their past, while remembering those who were left behind.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

BEST OF EPISODE:  Knowing the signs your parents need help is just the first step.  Chris Orestis, President of Retirement Genius, says the entire family needs to be on the same page when its comes to their healthcare and financial needs.

Find out how much it could cost for nursing home care, and if it's covered by Medicare. Hint: it usually isn't.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

The deadline to file your 2022 Tax return is April 18, 2023.  But just because the filing deadline is delayed a few days, doesn't mean you should wait.

The CEO of Utah Association of CPAs, Susan Speirs, and Chett Campbell, senior manager at Eide Bailly say the sooner you file the less likely you are to have someone you don't know file 'on your behalf' and steal your refund.  

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

You may not have control over natural disasters, but there are several things you can do to mitigate the cost of them.  Katherine Fox, Deputy Regional Director Adminstrator for FEMA in Region 8 discusses a few things to consider by going to this website.

You can follow this show on Instagram and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

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If you already make your own lattes at home, going to the next level with the artwork won't cost that much more.  World renown artist, Michael Breach, taught Coffee Latte Art classes at Stanley Creator’s Lounge at The Cabin during the Sundance Film Festival.

Michael says it's a fun way for visitors to channel their best "Bob Ross" painting and warm up from the cold while waiting for the next Sundance event.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Filmmaker, Ella Glendining born with a rare disability, wants abled people to calm down and ask what people with disabilities need.  She says the disabled should be celebrated and not made to feel less than others -- which happens in today's society.

She brings her journey of trying to find someone who looks like her to calling out 'Ableism' in her documentary "Is There Anybody Out There?" to the Sundance Film Festival.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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**This U.S. Documentary won a Special Jury Award for Freedom of Expression at the Sundance Film Festival after this interview took place**

The lack of free press isn't just an issue in foreign countries.  The documentary "Bad Press" now playing at the Sundance Film Festival, covers the topic on U.S. soil.  

Directors Joe Peeler and Becca Landsberry-Baker delve into the Muscogee Creek Nation in Oklahoma whose leaders repealed their own free press law in 2018.  Reporter Angel Ellis was fired for doing a story about some questionable actions by tribal leaders.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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It costs a lot of time and money to become a classically trained pianist.  But Jakub Piatek, director of the film "Pianoforte," says it's about sharing the music and your emotions of your favorite composer at the "Olympics of piano playing."

His documentary follows six young competitors in the most prestigious contest in the world -- International Chopin Piano Competition.  It is only held once every 5-years for people between 16 and 30 years of age; and the stress is unbelievable.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Director Matthieu Rytz wants audiences to get mad.  His documentary "Deep Rising" - narrated by actor, Jason Momoa - discusses companies wanting to "mine" the bottom of the ocean for minerals.  Contributor Dr. Sandor Mulsow says the bottom of the seas is holding 20,000 years worth of CO2 -- a key greenhouse warming gas.  For profit companies want to disturb the gas in order to mine minerals to use in batteries.

Dr. Mulsow is asking all Americans to tell President Joe Biden to sign the Convention of the Law of the Seas.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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The fight to retain native language and customs among Indigenous Peoples is still on-going.  In the documentary, Twice Colonized, writer Aaju Peter has been fighting for 50-years to reclaim what she lost when she was colonized by Denmark from her native Greenland and by Canada when she moved there.

Director Lin Alluna and Producer Emile Hertling Peronard bring Aaju's story to light at the Sundance Film Festival.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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When you see yourself portrayed on screen, people are more likely to believe "it's possible for me."  That's according to Julie Ann Crommett, Founder and CEO of Collective Moxie.  

Julie Ann says as more and more studios begin telling diverse stories, they see bigger profits as more people pay money to see themselves represented.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Acts of violence against Asians during the pandemic led to the formation of The Asian American Foundation.  Norman Chen, the CEO of TAAF, says one their main goals are anti-hate, education, narrative change and unlocking resources.

This is the first year that Asian Pacific Islanders have their own meeting house at the Sundance Film Festival.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

The Constitution of Utah requires it to have a balanced budget every year.  President Stuart Adams of the Utah State Senate and Susan Speirs, CEO of Utah Association of CPA's, discuss some issues the legislature will be tackling in this year's session.

They say water conservation, the tax on food and school choice will be among the top 3-issues.  But there are many other topics - like affordable housing and energy infrastructure - up for debate, both in Utah and across the country in many legislatures.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

More than 2-million women were still out of the workforce last year.  Robbyn Scribner, co-founder and director of Outreach at Tech Moms, helps transition women into new careers.

Robbyn also says building a woman's confidence and belief in herself is at the core of getting back into the workforce.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Financial experts say education is the key to getting out of poverty.  Tony Bradshaw, the author of the book, The Millionaire Choice, says it has to be the RIGHT education. He says it took him 90-days to turn around his bad spending habits and work out a millionaire plan.

Bradshaw says once you change your mindset to no longer live paycheck-to-paycheck, you then need to make a plan to achieve wealth and abundance.
It includes breaking down your income to:  Living money, Wealth money, Play money, and Others money.  He also gives a free hour to people for coaching.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Financial advisors can follow high or low standards when it comes to representing their clients' money.  Bradley Clark, the founder of Clark Asset Management, says looking for a Fee ONLY advisor is the first step to getting an ethical one.

Bradley also has a book "Be the Bird" to give away to the audience.  Listen to the podcast on how to qualify, then go to bradleyclark.com/podcastoffer to get your copy.

You can follow this show on Instagram and on Facebook. To see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

If you want to give to charity and have it apply to your taxes, you need to donate before December 31st.  That's from Andrea Winkler, a partner at Davis & Bott CPAs, and Susan Speirs, the CEO of Utah Association of CPAs.

Contributing to an IRA or HSA can also reduce your tax burden.  But have you heard of a 'circuit breaker credit?'  Winkler explains how it can help those in the lower income tax brackets.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

It's not all bad news regarding the rising interest rates.  Jeremy Blair, the VP of Finance and Mountain America Credit Union, says banks are increasing the rates they pay out in both savings accounts and CD's.  

Find out why it's important to make sure your banking institution is either FDIC or NCAU insured -- and what the difference is.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

This episode of "Money Making Sense" is sponsored by Comcast

If you think you have fast internet speeds right now, just wait--because they could be as much as ten times faster within just a few years, according to Elad Nafshi, the Chief Network Officer for technology giant Comcast.

Nafshi joins guest host Andy Farnsworth to talk about the road to 10G, as well as an immediate availability for double the current broadband speeds for Comcast customers in the Salt Lake area.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

One out of every 4-children are being sextorted.  Stephen Peek and Maria Peek are the co-producers, director and cinematographer of the documentary, Sextortion: The Hidden Pandemic.  They discuss how to protect your kids from predators and how sextortion is 1000-times more prevalent than human trafficking.

If any of your kids, or their friends are being exploited, contact the Cyber Tipline.  More than 80,000 cases a day are reported of sextortion.  But occurances of this crime are up to 300-times more prevalent than what is known.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

This episode was recorded before a Federal Judge put a hold on President Biden's Student Loan Forgiveness program

Currently, everyone with a student loan will need to begin repaying them starting January 1, 2023.  However, Brian Walsh, financial planner with SoFi, says there is a new loan program tied to your discretionary income.  The payments will be much lower than previous student loans.

The government could also subsidize paying interest on your student loans if you qualify. 

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Whether you already have student loans or are getting ready to apply, there are ways to minimize your costs.  David Green, the CEO of Earnest, says they want to support students in whatever path they choose to set them up for success.

You can also get help applying for scholarships at GoingMerry.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Whether you rent or are looking to buy, there is help available to afford both.  David Damschen, president of Utah Housing Corporation and Susan Speirs, the CEO of Utah Association of CPA's explain some of the programs and tax breaks.

HACK:  Buying a modular or manufactured home could be less expensive or renting an ADU can be affordable.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Financial expert, Radhika Duggal with finance app - Super, discusses ways to improve your credit score.  She talks about mistakes to avoid and using tools like a debit card called Super Cash which allows people to build up their credit without going into debt.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Overcoming financial abuse starts with understanding what it is.  Stacy Francis, certified divorce financial analyst at Francis Financial, says it comes in many different forms.  But all of them can lead to physical abuse.

Anyone needing help can call the Domestic Hotline at: 1-800-799-SAFE (7233).
Safe Horizon is another 24-hour hotline where you can seek help: 800-621-HOPE (4673).
And Savvy Ladies is an organization formed by Stacy Francis dedicated to empowering women to take control of their finances by providing a professional network of support & guidance for FREE.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

If you are planning to travel and check out famous arwork, travel guru and author, Rick Steves, says learning more about what was happening when the art was created will give you a better appreciation of what you see. 

Rick's latest book "Europe's Top 100 Masterpieces" and his latest PBS series "Art of Europe" will help you understand history and appreciate the art -- and it's free!

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Travel guru, Rick Steves, says doing your homework before you leave home will save you time and money. 
Tip 1:  Don't hit the big tourist areas during the peak hours. Either go early in the morning or late in the afternoon, or travel during the off-season.

And find out how much Rick says you should pack no matter if you travel for 7-days or 30-days.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Knowing how you feel about money is the first step to fixing financial issues you may have.  Joyce Marter, author of The Financial Mindset Fix, says 16% of all suicides are financially driven.  And money is the top reason partners have fights.

Marter says people typicaly fall under one of 4 categories when it comes to how they think about their finances:  Money Status, Money Worship, Money Avoidence or Money Vigilence.  And the goal is for everyone to move to Money Vigilence.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Robert Spendlove, senior vice president and economist with Zions Bank, says Alexander Hamilton ideas are why the Washington DC is able to continually raise our debt ceiling and not run the government's finances like we run our households.

Hamilton's plan was for the government to buy all bonds issued by both the national and state governments before 1789. And then to issue new bonds to pay off the old debts.  

Susan Speirs, CEO of Utah Association of CPAs, says we need take personal responsibility for how we save and spend our money.  And get out and vote if you want to change what's happening in Washington DC.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Guest David Rosell, president of Rosell Wealth Management, follows the adage of "failing to plan means you're planning to fail."  Especially when it comes to retirement.  

He says we need to think of investing in the stock market like we do buying groceries.  When prices go down (on sale) on food, people buy more.  But when prices go down on stocks, people run.  David says we should always buy more stocks when they go on sale.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Most college students today will need help to fund their education.  So says Brad Baldridge, the founder of the website, Taming the High Cost of College.  He says paying for higher education will hurt, but it can hurt less if planned well.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

The more money you have for a downpayment the lower your interest rate can be.  That's from Kara Loftus, vice-president of mortgage services at Mountain American Credit Union.  She says putting your house-buying plans on hold is a viable option until you have sufficient funds.

If you are in the military or a veteran, you could qualify for zero-down home mortgage. There are also 100% home loans available for first-time buyers; but you will need to cover the fees for taking out a loan.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

If milk prices rose at the same rate as medications, a gallon would cost $13.  That's from Bill Sweeney, the Senior Vice President of Government Affairs at AARP.  He says the newly signed Inflation Reduction Act is putting a cap on out-of-pocket expenses, especially for those on Medicare D plans.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Most people spend 11 hours researching new televisions, and 1-hour choosing health insurance.  Todd Valentine, Senior vice-president of Employee Benefits at Beehive Insurance that's why people leave money on the table.

Susan Speirs, the CEO of Utah Association of CPAs, says there are health care options, like HSAs which can help you on your tax returns, and into retirement.

Also find out where to go if your don't have insurance through your employer on this episode.  You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Moving to a car-loan from a lease may be much less expensive than any new or used vehicle sitting on a lot.  So says Zander Cook, the co-founder and COO of Lease End.

He says not only is the $500 disposition fee for turning in a leased car waived when you buy it, the amount you've already paid on your lease has given you equity you can use to sell or buy the car.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

The SEC is not only putting out twice the amount of rules and updates as the previous two White House Administrations, they've shortened the time allowed to review them.  Ken Bentsen, President and CEO of SIFMA, says rushing through multiple proposals simultaneously, without understanding their effect on each other, increases the possibility of bad outcomes.

Bentsen wants the SEC to focus more on security to prevent data breaches which can harm individuals and slow down their 'fast and furious' rule making.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Alimony is not a punishment or an entitlement.  It's a spousal welfare program so the government doesn't have to pay.  That's from Jonathan Winn, litigation partner at Cordell Law.  

He says the most important thing to do before meeting with divorce attorneys is to figure out ahead of time the changing needs of monetary support throughout the years, especially as recessions come and go.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Supply chain issues could fuel inflation for another year.  That's from Phil Dean, chief economist at the Kem C. Gardner Policy Institute and Susan Speirs, CEO of Utah Association of CPAs.  They say having a financial cushion is the only way to survive.

Dean says raising interest rates is bringing down inflation, but says The Feds should've started doing this in April of 2021.  He says people had too much money last year and they were chasing too few goods, which created our inflation problem.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

People of color show more interest in owning homes than ever before.  However, Lee Anne Adams, Senior V.P. of National Initiatives at NeighborWorks America, says most don't believe they have enough downpayment to buy (which may not be true).

Lee Anne says home ownership is the key to wealth building and passing the wealth on to future generations.  She has tips to getting financial prepared and information on how you can buy affordably.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

Now is the best time to shop for what your child needs to go back to school.  Rina Hurst, chief business officer with Shipt says the sooner you start, the more likely retailers are to have items on sale. 

Money Making Sense listeners can get free shipping for their first order with Shipt by using the code -- GETSHIPT.  Find out what the most important items are for your school age kids and for those heading out to college in this episode.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

U.S. Secretary of Transportation, Pete Buttigieg, spoke with host Heather Kelly face to face during his trip to Utah.  They talked infrastructure, climate change and jobs.  The $1.2 Trillion dollar infrastructure law will spread out the funds over a 5-year period across all 50-states and 14-US Territories.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Now is not the time to buy a new car or put purchases on credit cards.  Brian Walsh, a SoFi Financial manager, says taking on less risk is the best way to survive inflation and/or a recession.

Find out if you should prioritize building your savings account or your investments during this episode.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Grow, adjust or die -- as a company.  That's from Carly Hazen, managing director at recruiting firm Prince, Perelson and Associates.  She has tips on how businesses should use 'Best Practices' to attract and hire the best candidates.

Susan Speirs, the CEO of Utah Association of CPA's says employees also need to be prepared.  They should maintain professionalism and not 'ghost' interviews but also do their homework on which companies will provide most of what they need to have a good work/life balance.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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If you want to know how to survive the recession, Michael Stevens, the founder of Capital Wealth Advisors, says having enough money tucked away for emergencies is how.

Michael says taking advantage of free retirement funds -- like your employers matching 401k is just one way to do it.  And you can go to RetireUtah.com to get more information.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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If you have mysterious health issues, it may be due to mold in your home.  Michael Rubino, author of "The Mold Medic" says mold can cause brain fog, breathing problems and neurologic symptoms -- just to name a few problems.

Michael discusses how to prevent getting mold in the first place and what not to do if you already have it.  HINT:  don't use bleach to try and get rid of it.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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If a professional can't explain financial terms in a simple way, it's their problem, not yours.  So says Nicholle Overcamp, the CEO of Wilcox Financial Group.  She is also a financial coach with PowHERhouse Money Coaching.

Nicholle says many times women are intimidated to ask deeper questions about their money, because some men want to tell others what to do or simply show how much they know, instead of explaining the process.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Diversity, Equity and Inclusion (DEI) can increase your wallet.  Paul Skeen, the co-chair of the National DEI Counci with Eide Bailly and Susan Speirs, the CEO of Utah Association of CPAs discuss the advantages of including people from many different backgrounds, including race, gender and military service.

Skeen says profits at Eide Bailly more than doubled after they began including more women among into partnership and corporate roles.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Are you ready for company at your home?  Bobby Berk, designer and tv host of Queer Eye on Netflix, has tips to make your space inviting.  He says you can spend thousands of dollars, but you can also spruce things up on the cheap as well.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Host Heather Kelly goes through some of the scam texts she's received.  Is there a pattern you can use to identify possible scams you get on your smart phones?
Also find out what to do if you click on link you shouldn't have.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Don't lease, rent or buy an electric vehicle.  Scott Painter, the founder of Autonomy, says subscribing to drive an EV is the cheaper way to go.

He says having a subscription does not require a credit check and can lower the average monthly cost of Tesla Model 3 from $600 to $490.  And he says some EVs could be as low as $200 per month.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Entrepreneur, Antoine Campbell, say teaching kids NOW to exercise their brain muscles by learning about money and finance, will set them up for future success.

He says something as simple as a lemondade stand can be turned into a learning lesson.  Hear about it in this episode along with some other tips.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Les Robinson, the author of Protecting Your Money from Medicaid & Nursing Homes, says falling is the number 1 way to lose all your money.

Find out why he says don't wait until you are in the 5th month of a nursing home before you realize you're in financial trouble.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Did you recently meet someone new online, either through social media or a dating sight?  Francswai Grayson, the communication outreach manager with the Utah Division of Securities, says if they ask you for money -- DON'T give them any.

Susan Speirs, the CEO of Utah Association of CPA's, says you also need to be wary of those in positions of trust, if they try to get you to invest in a business oportunity or say they can "guarantee" a certain return on investment.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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More than 25% of Americans have given or received a gift card which had no value.  Kathy Stokes, director of fraud prevention with AARP, says gift cards are big business for scammers.

Learn how to spot a scam on the AARP Fraud Watch Network.  And see a list of the most common scams on the AARP Fraud Prevention website.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Part 2:  The man who attacked figure skater Nancy Kerrigan, Shane Stant, will always be known as a former felon and it limits his job opportunities.  His sister, Maile Stant, only knew him as a protector while she was growing up and has a rewarding career.

Filmmaker Justin Kawika Young brings this story to the screen in the documentary, "My Hero, the Hitman."  Shane and Maile talk to host Heather Kelly about how abuse in their household led each of them down different paths, financially and morally.  Justin explains why he wanted to tell this story after meeting Maile.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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[Photo insert courtesy of ABC News.]

The man who attacked figure skater Nancy Kerrigan, Shane Stant, will always be known as a former felon and it limits his job opportunities.  His sister, Maile Stant, only knew him as a protector while she was growing up and has a rewarding career.

Filmmaker Justin Kawika Young brings this story to the screen in the documentary, "My Hero, the Hitman."  Shane and Maile talk to host Heather Kelly about how abuse in their household led each of them down different paths, financially and morally.  Justin explains what led him to tell this story after meeting Maile.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

[Photo insert courtesy of ABC News.]

Humans are not good with uncertainty.  Dr. Benjamin Granger, organizational psychologist with Qualtrics XM Institute, says being uncertain at work, and in life, will make people unhappy faster than any thing else.

Even though the pandemic did bring a lot of unknowns, A Qualtrics survey found many people are better off financially than ever before.  But their stress levels also changed, so they may not be as happy.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Are you throwing your money away to the IRS?  Susan Speirs, the CEO of Utah Association of CPAs, says there's ONE really important thing you can do to keep that from happening.  

Susan also says the IRS has FREE tools available on their website to help you reduce your tax burden.  But if you can afford it, getting help from a CPA is the best thing to do.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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The Federal Reserve is attempting to balance increased inflation and interest rates.  Michael Stevens, president and founder of Capital Wealth Advisors says raising interest rates is a way to bring down inflation.  But people need to be prepared.

Find out the difference between the Avalanche Method and the Snowball Method when it comes to paying off your debt in order to free up more cash flow.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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April is Financial Literacy Month and learning about money can be fun and enjoyable.  Jayne Ellegard, a wealth speaker and coach, teaches ways to make personal finances anything but boring, especially for women. 

Jayne is also the author of "Financial Empowerment for Women: Your Guide to Courage, Confidence & Wisdom" and says we can start by using more welcoming words about money.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Knowing the signs your parents need help is just the first step.  Chris Orestis, President of Retirement Genius, says the entire family needs to be on the same page when its comes to their healthcare and financial needs.

Find out how much it could cost for nursing home care, and if it's covered by Medicare. Hint: it usually isn't.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Should you cash in your IRA first or start taking Social Security when you retire?  Becki Schreyer, managing director of BKD, and Susan Speirs, CEO of Utah Association of CPAs explain what is best to reduce your taxes after you give up going to work.

Also find out what can happen if you continue to work after you start drawing your Social Security benefits.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Making more money at work or even having better relationships means not stealing who you are. Life coach Jessica Pilgrim, says if you want to attract wealth, of any type, you need to use all your senses to visualize it.

Jessica says the first step is to identify the voice in your head which says you can't or you aren't good enough.  Then start replacing it with a positive voice.  She says the negative thoughts are stealing your true identity.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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The Great Resignation has many opting to go into business for themselves.  Michael Brette, founder and CEO of Small Cap Equity Advisors, guides people to succeed in their venture.  

Learn why you should look at 'Funding Platforms' like SeedInvest Technology or Indiegogo and what the pitfalls are if you are thinking of investing in a start-up company.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Could you turn control over to a self-driving car?  David Pogue, Emmy-winning technology and science correspondent for CBS Sunday Morning has -- and he wants everyone else to do the same.  Find out what David thinks is the biggest downfall to technology and where he thinks society is headed.

You can follow this show on Instagram and on Facebook. To see what Heather does when she's not talking money, go to her personal Twitter page.

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Blaming others in the workplace for your failures does not bring feeling of trust with co-workers and your bosses.  Joyce Marter, psychotherapist, and author of "The Financial Mindset Fix," explains how to start changing the way you think about yourself to get ahead in your job, and in life.

Joyce also discusses aiming high with your goals but having realistic steps to actually reach them.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Do social media influencers have the education to give proper financial advice?  Jeff Jones, the director of financial planning at Longview Financial Advisors, lists some red flags to know before following the advice of someone speaking to the masses and not directly to you.

To find a financial planner that is right for you go to NAPFA.org.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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The Earned Income Tax Credit (EITC) was expanded in 2021.  Mike Criddle, memeber of UACPA and a tax partner at Eide Bailly, explains who qualifies and who doesn't.  

Find out how you might be able to use your income from 2019 to get a more money from EITC when you file your taxes this year.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Start using your rewards cards wisely.  That's just one hint from Catey Hill, commerce editor with MarketWatch.  Catey and Host Heather Kelly also discuss what to do if you have medical bills and clipping coupons.

If getting a second job working from home looks like a possibility, make sure it is legit.  If a company asks you to pay money upfront to start work -- it's a scam.  Here are a few legit opportunities: 

Opinon Outpost -- get paid for your opinions
SecretShopper -- the original secret shopping site
Virtual Vocations -- data entry

Zirtual -- Virtual Assistant

Copify -- Freelance Writing

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Pharmacies are already giving various vaccines, they could potentially diagnose and treat high blood pressure, strep throat and a variety of other ailments.

Dr. John McHugh, Health Policy and Management at Columbia University, says much of your basic medical care could be done by your local pharmacist in the the future.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Tax season is underway.  Did you receive Advanced Child Care Credits? Do you have a new baby or get a divorce?  These are just a few of the reasons you may need to hire a Certified Public Accountant.

Susan Speirs, the CEO of the Utah Association of CPAs, explains why this year is so important to get the right advice and plan ahead.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Do you read all the possible side-effects when you buy prescription medications?  Does your doctor tell you?  Lynn Cunningham, the co-producer and director of "Medicating Normal" on PBS takes a hard look at when the trillion-dollar medicine industry intersects with people in distress.

Angie Peacock, a former Army Sergeant, is one of the subjects of the film.  She says she, and so many others, were never told about the long-term affects of anti-depressants or what happens when you try to quit them.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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The number disabled by mental health illness doubled since the introduction of Prozac in 1987.  Lynn Cunningham, the co-producer and co-director of "Medicating Normal" on PBS takes a hard look at when the trillion-dollar medicine industry intersects with people in distress.

Angie Peacock, a former Army Sergeant, is one of the subjects of the film.  She says she, and so many others, were never told about the long-term affects of anti-depressants or what happens when you try to quit them.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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A group of women of a "certain age" are dancing their way through retirement.  Producers Maria Loohufvud and Love Martinsen bring their story to the Sundance Film Festival.  The group call themselves "Calendar Girls."

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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First-time filmmakers Victor Gabriel and Duran Jones bring this short-film, Hallelujah, of two men having to decide if they should raise their niece and nephew after their parents die to the Sundance Film Festival.

Writer/director Victor Gabriel says he wanted to bring the issue of black men making this choice in the socio-economic times in which they live.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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In a state with the lowest COVID-19 vaccination rates in the United States, one woman in a poor, rural community is able to get 99-percent of its residents injected.

Rachael DeCruz, the co-director and co-producer of "The Panola Project," brings the story of Dorothy Oliver who knocked on doors and made dozens of phone calls to bring the community together.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Pharmacy Benefit Managers (PBMs) are pouring gas on a fire they were hired to put out.  That's from Antonio Ciaccia, president of 3 Axis Advisors.who says PBMs have conflicts of interest in the drug chain and are collecting the discounts meant for consumers.

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The entities charged with negotiating better drug prices for consumers are pocketing the savings for themselves.  Antonio Ciaccia, president of 3 Axis Advisors, explains how these little-known Pharmacy Benefit Managers (PBMs) became Fortune 15 companies.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Host Heather Kelly wants to know what you want for 2022.  Send her an email with what you want to know more about in the New Year.  Anything from how money affects your relationships to how to save money on a fixed income to how trade with China affects your life and everything in between.  Let Heather know what it is that interests you on the money front.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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The Advanced Child Care Credit is the subject of Part Two of 'preparing your taxes.'  Guests Jason Baxter, the senior manager at WSRP, and Susan Speirs, the CEO of UACPA, explain why you may receive a 6149 letter from the IRS.

Susan also discusses why you might have to pay back some or all of what you received from the Advanced Child Care Credit payments between July and December of 2021.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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It's never too early to start preparing your tax returns.  In Part One, Jason Baxter, the senior manager at WSRP, and Susan Speirs, the CEO of UACPA, explain how a new tax law can help reduce your tax burden without having to itemize.  But you need to give before the end of 2021.

And, women can now add menstrual products to their medical expenses to write them off of their taxes as well.  

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Self-directed IRA's can open your retirement fund to more than just stocks and bonds.  Bill Neville, the business development manager of The Entrust Group, says it's a great way to add rental properties and precious metals to your portfolio.  However, there are rules and many people make mistakes because they know what they are.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Talking to your parents about end of life choices is never easy.  Cameron Huddleston, the Director of Education and Content at Carefull, says sometimes you need to approach them from a different point of view.  

Instead of being direct, ask how their retirement is going and see how the conversation can unfold.  Cameron also says monitoring your parents accounts can be extremely helpful. Hear more tips in this episode and from Cameron's book "Mom and Dad, We Need to Talk: How to Have Essential Conversations With Your Parents About Their Finances."

You can follow this show on Instagram and on Facebook. To see what Heather does when she's not talking money, go to her personal Twitter page.

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Not using your employers matching funds to the fullest is the biggest mistake you can make.  That's from Dan Beck, the co-founder and CEO of 401GO, who says you can double your retirement contribution

Dan also says not contributing to a 401k plan as soon as you're able is the second biggest mistake.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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No matter what the person's story -- NEVER pay anyone with a gift card.  That's from Christina Miranda, the senior project manager and consumer education specialist with the Federal Trade Commission.  Go to: FTC.gov/giftcards for more information.

Christina also discusses on-line shopping scams.  What are some of the red flags and how can you get your money back?  If you spot a scam, or are a victim of a scammer, go to: ReportFraud.ftc.gov.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Inflation is tightening everyone's wallets -- just in time for the holidays.  McKenzie Walsh, certified personal finance coach with the Fair Credit Foundation has tips on how to make it through this year; including spending within your means.

Susan Speirs, the CEO of Utah Association of CPAs, says we need to change our spending behaviors.  Especially as the cost of groceries is nearly triple from just two months ago.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Is it better to get a high deductible health plan or one where you have lower out of pockets expenses?  Amy O'Meara Chambers, COO and co-founder of HealthBridge, says you've "got to do the math" when picking health insurance.  

Amy also says creating Medical Lines of Credit may be the way to keep people from having to file bankruptcy over medical care costs.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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The opposite of panicking when the stock market declines is called 'Irrational Exuberance.'  Dr. Susan Laubach says both can be just as bad for your bottom line. 

Dr. Laubach says financial advisors will always tell you the good things about  investments, but you should always ask "what can go wrong."

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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Do you have a child about ready to get their driver's license?  Kerry Sherin, consumer advocate with Bumper has tips to lower the cost to get car insurance coverage for them.

TIP #1 -- shop around BEFORE your kids are close to getting their license.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

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