Money Making Sense

You may have spent years and decades combining your finances.  But now have to separate them in a matter of weeks or months.   Certified Financial Litagator Lisa Zeiderman with Miller Zeiderman, LLP says finding out if each side in a divorce is 'apples to apples OR apples to oranges' is the first step in dividing the joint accounts.

Zeiderman also recommends keeping many of your accounts compeletly separate, especially if you inherit anything during the marriage.  Also discover what a CDFA is and if you need one.

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

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No one should feel intimidated about filing their taxes just because they haven't done it, or aren't sure of tax regulations.   Mark Steber, Chief Tax Officer of Jackson Hewitt Tax Services says you could be missing out on money you are due -- especially younger generations.

He also says many people under 35 years of age now have multiple streams of income from non-standard forms of work, like social media streams, cryptocurrency investments and side-hustles.  And they don't understand the Government doesn't automatically withold taxes or 401k.  It's important to find a tax advisor who understands your unique circumstances.

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

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Entrepreneur and advisor, Sam Vadakekut says each person has their own creativity within them.  There isn't one answer that will fix everyone's money woes.  But he does say that "a scarcity mindset creates financial enslavement."

Learn more in this episode and from his book "About my Father's Business: Enslaved vs Entrusted."

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

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Rock-n-roller, Huey Lewis, was inducted into the newly formed People's Music Hall of Fame in Salt Lake City.  The event was created by the Professor of Rock, Adam Reader, and Grammy nominated musician Caleb Chapman.  

The event also raised scholarship money for the Sound Support Foundation which teaches kids how to perform musically on stage, as well as address mental health issues.  Learn more about Caleb Chapman's SoundHouse school here

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

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Adam Reader, aka - The Professor of Rock - says his secret sauce is the thousands of music books he has collected since he was a child.  Reader has teamed with Grammy nominated band-leader, Caleb Chapman, to raise money for scholarships at the Caleb Chapman Soundhouse.

Reader says the Soundhouse is the best music program in the country as it instills confidence in kids; teaches them to look up from their shoelaces, which they can use all their lives.  Students also get a chance to perform at Carnegie Hall and work with world renowned musicians, like Huey Lewis.  AND Chapman and Reader have created the People's Music Hall of Fame.

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

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Songwriter, producer and musician, Eric Bazilian of The Hooters, says he started his first band the day after seeing The Beatles on the Ed Sullivan show.  He wound up playing guitar riffs on two of Cyndi Lauper's best hits and was nominated for a Grammy.  

Learn which songs these are, which fans in which country are the most faithful to his music, and how long it took The Hooters to financially recoup their 1984 record deal with Columbia Records.  Find out which band Eric considers the Alpha and the Omega of music.

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

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How are Jon and Kate's kids are doing after the tv show?  Jon Gosselin spoke with host Heather Kelly at the Sundance Film Festival where he was the Celebrity DJ at the Music Lodge.  He also discusses current events in his personal and professional life.

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

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Death is a taboo subject in China.  Filmmaker Yuxuan Ethan Wu wants to start the conversation about dying with his short documentary "Death Education" now showing at the Sundance Film Festival.

Learn why some high school teachers in China now teach classes about death, including having students carry the ashes of 'unanamed' people from a crematorium to a public burial ground in this episode.  Also, how long it took Wu to shoot the film and how much money it cost.

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

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Filmmaker Tadashi Nakamura had big shoes to fill following in his father's footsteps.  So, he made a documentary about his dad, Robert A. Nakamura, the godfather of Asian-American Media.

In the film, Third Act, Tadashi follows his father's footsteps from his time in a Concentration Camp for Japanese Americans during WWII to his diagnosis with Parkinson's Disease.  If you miss the Sundance Film Festival, you can see Third Act on PBS later this year.  

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

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Funding an independent movie just got a bit easier.  That's according to Hedge Fund creators Michael Perrone, Slater Wayne, and Chris De La Rosa who bring Rendezvous Cinema Center to the Sundance Film Festival as the sponsor of the interview studio, Collider.  

They say they they are more interested in the projects and people who take risks, than those who are only interested in how much money they can make.  They put their filmmaking knowledge together with finance guy, Craig Mattus. to create Rendezvous Capital Holdings where qualified investors can invest in a flight of films, and independent artists can benefit financially.

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

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Filmmaker Loren Waters brings the story of the Native American family who started the t-shirt company "Tiger" in 1977.  It was a very small operation, working 24/7 to fill orders for JC Penny in its heyday.

Learn why the company went under in 1990 and watch "Tiger" through the Sundance Film Festival as well as at SXSW later this spring in this conversation with Loren.

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In Pakistan in the Karakoram Range is a peak that has never been conquered by skiers, until now.  Extreme skiers Christina ‘Lusti’ Lustenberger and Jim Morrison became the first people known to ever ski down the face of Trango on May 9, 2024 and it is all captured in this documentary.  Christina also says what was not revealed in the film.

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

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Many people made a New Year's Resolution not to spend any money for anything other than essential needs, like food and shelter.  Susan Speirs, the CEO of Utah Association of CPA's, discusses with host, Heather Kelly, what a better resolution should be -- and how to stick to it.

Tip #1:  Put just five dollars a week into a High Yield Savings account and you can accrue interest on the your money.  
Tip #2:  Learn how to control your credit cards, don't let them control you.

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

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The producer of the FanX Salt Lake and three other comic conventions describes how he got his start in the business.  Dan Farr, President of Dan Farr Productions, says the response to the first one in Salt Lake City was overwhelming.  

He also discusses what happens behind the scenes, how celebrities deal with the fans, and what attendees can expect when you go.

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

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Having Financial Independence so you can Retire Early (FIRE) is achievable, if you know the right formula.  Aaron Clark, owner of The Accounting Nerd, LLC says the first thing you need to do is change your mindset.  Then invest in relatively safe, Index Funds.

Susan Speirs, the CEO of Utah Association of CPAs, says money is a very psychological and behavorial aspect to our being.  So there must be discipline in order to live a FIRE lifestyle. And do you know the difference between 'Coast FIRE and Barista FIRE?'

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

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The CDC says domestic violence is the number 1 public health issue in America.  Research confirms 1 in 4 women and 1 in 7 men are victims of abuse in their relationships.  Kim Scouller, author of How Money Works for Women, says one of the first things an abusive partner does is take control of the finances so their spouse feels like they can't leave. Start by stashing away cash -- even very small amounts will help.

National Domestic Violence Hotline 1-800-799-7233
Domestic Shelters -- find a shelter near you

Kim says communication is key and both partners need to step up and take responsibility for the finances in the relationship.  It can be equally dividing up who pays which bills or have a joint account where only a part of each person's income goes into the same account and pay everything from there.

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 X (Twitter) page.

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 Chronic inflammation from diabetes, obesitity and other long term illnesses play a bigger role in heart disease than we realize.  Dr. Andrew Freeman, the Director of Cardiovascular Prevention and Wellness at National Jewish Health in Denver, says changing your lifestyle is much more cost effective than surviving a heart attack or dying from one. 

Dr. Freeman says a plant based diet, brisk exercise everyday, reducing stress, at least 7-hours of sleep each night and have a good support system around you.  ALL five of these tips -- along with not smoking are the best way to reduce your risk of a heart attack.  Go to CVDInflammation.com for more information. 

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Having tough conversations about how your aging family members are doing with bill paying or spending before things get out of hand is much easier than having a talk after their money is gone.  That's according to Nico Pesci, founder and CEO of Momemtum Wealth.  He says having a fiduciary advisor is an important ally in safe guarding your parents money because they have a LEGAL obligation to work for their clients best interests.

He also discusses how more family members try to take financial advantage of aging loved ones than do parents making bad decisions because of memory loss.  

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

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Now that we know who our next President will be, a lower inflation rate is not a guarantee.  That's according to Senior Economist Robert Spendlove with Zions Bank.  He says ecoomic theory dictates increasing tariffs -- which President-elect Donald Trump plans to do -- means higher inflation.  He does say one of the biggest issues for next year's Congress will be taxation.

Susan Speirs, the CEO of Utah Association of CPAs, says the hope Trump has is that manufacturers will return the United States if tariffs are imposed, but right now they appear to be leaving China and going to Vietnam.

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 X (Twitter) page.

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If you truly want to support veterans, buy from their business or use their services.  That's from Aikta Marcoulier, Regional Administrator for the Small Business Administration, who says veteran owned companies employee 5-Million people across the U.S.  She says show your support using small, veteran owned business along with displaying  a flag.

Veterans who are transitioning out of the military have lots of resources to help them, or family members, start a business in every state of the Union.  SBA.gov/vetbiz is a great place to start.  Here are other websites for vets or their families go from "boots to business."
Utah Veteran Business Resource Center
Veterans Business Outreach Center

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

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Politicians on both sides of the aisle are raising campaign funds faster than ever before.  Boyd Matheson, political consultant, says Super Pacs are a big part of that revenue stream.  He says the pacs are where almost all the negative ads come from.

Boyd says people need to be humble about what they think they know and look outside their normal sources of information in order to find out if what they are being fed is true or not.  The first borometer is -- if it sounds 'out there' it's probably not correct.  Please remember to "Disagree Better."

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Retirement is all about your cash flow.  Jason Parker of Parker Financial and Sound Retirement Radio, has a formula to make sure you've saved enough for 'the golden years.'  But, he says money isn't the most important item to have in order to gain wealth.

Hint:  It's all about your relationships.

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

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Ticket Master/Live Nation makes $130 BILLION a year on fees selling tickets.  The Ticket Act would remove Junk fees from live event ticket purchases.  That's from Sally Greenberg, executive director of the National Consumers League, who also says there would be 'no more jumping through hoops on websites to see the actual price of a ticket and fake ticketing websites would go away.'

The Bill already passed the U.S. House of Representatives 388 to 24.  Now it goes to the Senate for a vote.  Please contact the Senators in your state to let them know how you want them to vote.

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*After this episode was recorded, the Utah Education Association sued the state of Utah over the wording of Amendment A,*
A bill to remove the state sales tax from grocery store food has been approved.  But it won't go into effect unless Amendment A passes in this year's election.

The brief from Gardner Institute states Amendment A would allow legislators to re-allocate where monies collected from your Income Tax would go.  Phil Dean, the Senior Economist at the Kem C. Gardner Institute says lawmakers want to shift some of the income tax away from education to the general state fund.  Susan Speirs, the CEO of Utah Association of CPAs says some educators are worried their peice of the tax pie will get smaller.

Phil Dean says he believes the amount of money spent per pupil will actually increase under the proposed Amendment and Companion Bill.  Also, find out what happens if the initiative doesn't pass.

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 X (Twitter) page.

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Too often women are made the caregivers of not only their children, but also their elderly parents.  Lisa Peel, head of financial planning with Edward Jones, says this can greatly affect the amount of time they spend in the workforce, thus limiting their income.

Lisa says it is important to work closely with a financial planner to maximize the amount of income available both currently and for the future. She says it is extremely important to interview 2 or 3 advisors minimum, to find the right fit.

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 X (Twitter) page.

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

Does the person you voted for have a financial background?  It is critical to understand how  local treasurers and auditors keep tabs on your taxes -- and who wants the job.  Catherine Voutaz is running for Utah State Auditor and Sheila Srivastava for the Salt Lake County Treasurer positions.  Find out why Sheila says every tax dollar is hard earned.

They explain why its important to have people in those offices who have financial backgrounds and what their roles are to assist the more well-known positions of governors, mayors and city councils.  Susan Speirs, the CEO of Utah Association of CPAs, also joins the conversation to help explain why voters need to do their research on ALL the people listed on your ballot. 

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 X (Twitter) page.

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Producer George David discusses how you can make money in the music industry without being a star.  Licensing songs for tv commercials and movie soundtracks, producing others, building music studios and many other way will earn you six figures each year.  Building a music studio is what led George to collaborating with the music group Train.

George says singers must now get a local following first, along with a big social media presence before record labels will sign them.  HACK:  everyone needs to learn computer programing and A.I. systems like Python to earn 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 X (Twitter) page.

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HVAC systems must be able to make your home comfortable and be affordable at the same time.  If you want more efficient systems, you need to get a higher number SEER and HSPF rating.  It will cost a little more money up front, but save you in monthly utility bills.  
Dennis Stinson, VP of Sales for Fujitsu General America.

If you can't afford a new A/C or heat system, try putting in more insulation in your attic, getting newer energy efficient windows, and sealing up gaps around windows and doors.  Make sure the airflow to your A/C and furnace are not blocked.

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 X (Twitter) page.

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Food Security expert, Kimberley Gillan, says buy nutrient dense, low cost foods such as parsley, peas, and skim milk powder in order to save money and be healthy.  Gillan details what to buy every week for a 5-week cycle and how much it will cost in her book "How Low Can You Go" to help lower your grocery bills by 60%.   
HACK:  canned fish like sardines and beans & lentils are a start.

She also discusses several causes as to why food prices continue to increase and what we can do as individuals and as a society to get prepared for even higher prices and food shortages in the future.

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 X (Twitter) page.

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If the experts believe the economy is in great shape, why does the average American feel like we're in a recession?  That is what Nico Pesci, the founder and CEO of Momemtum Wealth, says is a 'vibecession.'  When everyday people have the vibe things are going badly, while Wall Street is living high off the hog -- it's time to make a money plan for the stage of life you are in. 

Nico says recessions are part of economic cycles.  Things will improve.  You just need to wait, if can, to cash out your retirement funds.  Don't panic, learn to take a deep breath and understand what is really happening in the stock market.

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 X (Twitter) page.

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Higher education doesn't have to mean ONLY a 4-year expensive college.  Troy Runnels, the CFO of My529, says you can put money into a plan which will pay for a trade school educaton, internet usage, housing, internships school supplies and much more.  

Susan Speirs, the CEO of Utah Association of CPAs, says the funds you put into a MY529 plan qualify for a Credit on your taxes; and you can roll over any unused funds into a Roth IRA.  Also, there are many opportunities available to help pay for your child's education.

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 X (Twitter) page.

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Typically, going into business for yourself reduces your tax-burden.  That's from Liz Steblay the author of "Succeeding as a Solopreneur" who says you will probably need to pull in about  $110k as your own boss to break even on taxes from working for someone else.

Liz is also the CEO of PICA (Professional Independent Contractors of America). She says empowerment is a great benefit to going out on your own.  But it will also be the hardest you ever do in your life as Fear, Uncertainty and Doubt (the FUD monster) can take you down at any time.  HACK -- be confident and charge what you are worth.

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 X (Twitter) page.

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Not having a financial strategy can stress you out even more than without a plan.  James Alexander, CFP with Edge Financial Advisors, says imagine driving somewhere unknown without a GPS or a road map or knowing anything about your car.  When you draw a map for your money, you will feel much safer financially.  What stage of your life should you hire a financial advisor?

James says taking control, even in small ways, of what you do with your money takes weight of your mind and is emotionally uplifting.  You can hear more of his philosophy on Ed's Edge Podcast, where he is a co-host.  

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 X (Twitter) page.

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You could be limiting your ability for interviews by the language used on your resume.  
Cassie Whitlock, the Chief People Officer at Diversify, says companies are shifting toward skill based hiring vs pedigree educations.  Both employers and employees need to be aware of their brand, and what are you trying to accomplish in your job search / job description.

Susan Speirs, the CEO of Utah Association of CPAs, says it's important to understand what DEI really means:
Diversity = skills & background, gender identity, age, race, culture, etc.
Equity = everyone has the tools they need to complete the same job, no matter the impediments (too short, too tall, scocio-economic, etc).
Inclusion = you are part of the team, your input matters.

You can use free websites to run job description postings and resumes through in order to edit out some potientionally off-putting language.

After several years of not having to pay student loans - or no interest added to them - everyone is back to paying their full payments.  Brian Walsh, the head of advice and planning with SoFi, says a SAVE student loan program may be the way forward.  But there have been changes.

1. Currently, if you missed a student loan payment during the first year, it wouldn't be reported to a credit bureau.  That is now going away.
2.  The percentage of your discretionary income used to calculate your monthly payments is changing -- but currently is facing a court fight.

 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 X (Twitter) page.

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How do you know if something "sounds too good to be real?"  That's the question Nico Pesci, the founder and CEO of Momemtum Wealth, details in this episode.  He says seniors are targeted in all sorts of scams because they typically have more money to lose than younger generations. 

Nico also explains what signs you should look for if your loved ones are getting scammed. And who is doing the scamming?   HACK:  Do your homework on what the average 'return on investment' is  and verify investment people through FINRA or Broker Check.

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 X (Twitter) page.

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Over half of all Americans say they don't have enough money to either retire, or survive, in retirement.  Indira Venkat, Senior Vice-President at with AARP says "its never too early and never too late to start saving."  She says 57-Million workers don't have any type of retirement programs through their place of employment.

You can find help at:  aarp.org/tools  or  thisispretirement.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 X (Twitter) page.

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The war zones may be far away from the United States but many accountants are in the center of action.  Valerie Bushell, corporate controller for BlueWind Medical, and Susan Speirs the CEO of Utah Association of CPAs say accountants may be deployed as part of the Armed Forces or work for companies who are based in war-torn countries.

They also discuss how they help refugees who come to the U.S. for political asylum or to escape the ravages of war.  

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 X (Twitter) page.

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If you are an entrepreneur, you need to have this skill. Chris Harding, Salt Lake County Auditor, and Susan Speirs, the CEO of UACPA, discuss accounting and the changing world of the tax field.  It's not just for old, white men without a sense of humor anymore.

What role does A.I. hold in the world of accounting? And -- have you ever thought of Money Camp for your high school kids?  Get more info from Susan Speirs HERE.

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 X (Twitter) page.

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Many can't afford to stay 'fashionable' with the high prices of clothing.  Fair Allen, apparel technical designer, has tips on how to get what you want for less, and in an ethical manner.

She says it can be as simple as using a capsule wardrobe.  Shopping at thrift stores will also feel better on your wallet and keep clothes out of landfills.

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 X (Twitter) page.

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Whether you have streaming services with auto-renewal, or multiple small add-ons to programs, you could be paying a lot more than you realize.  Nick Wolny, Managing Editor with CNET, says Spring is a great time to review every subscription you have and get rid of ones you don't use very much or didn't realize the prices increased.

Nick also says it is so much easier to buy things.  It only takes a swipe of a phone or a tap of a credit card and it doesn't hurt as much as when you write a check or pay with cash.  Not paying close attention to all your swipes and taps can cost you a fortune in a very short time frame.

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 X (Twitter) page.

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All species on earth work to support man through clothing, food and medicines.  When they start going extinct we risk our own survival.  That's from Lowell Baier, author of "Earth's Emergency Room: Saving Species as the Planet and Politics Get Hotter."  

Baier says the loss of habitat through climate change and expansion of commerce due to population growth is the number one reason we are losing animal and plant life.  And why the Endangered Species Act is critical to fund.

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 X (Twitter) page.

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Designating a retirement account to go to a Trust after you die will trigger taxation upon death.  Attorney Cathleen Gilbert, the owner of Gilbert Law Office, says retirement accounts should be willed to an individual instead.  In order to be fully prepared, Cathleen says you should have a will, a trust, a power of attorney and a medical directive to make sure all your wishes are carried out without excessive delays or complications.

Susan Speirs, the CEO of Utah Association of CPAs, explains what a fiduciary is and why it's important to have one when it comes planning for the inevitable -- death and taxes.  And do you know how many death certificates you'll need after your loved one passes?

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 X (Twitter) page.

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Even though most people know scammers are working to take their money, they keep succeeding.  Colin MacDonald, consumer protection attorney for the Federal Trade Commission (FTC) in the Northwest Region describes a few of the top ways scammers come after your money.

To learn more about Imposter Scams go to:
ftc.gov/imposters

To sign up for scam alerts go to:
FTC.gov/consumeralerts

If you have been a victim of fraud or a scam contact the FTC at:
ReportFraud.ftc.gov or 877-382-4357

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 X (Twitter) page.

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

Everyone says "don't open a scam email or click on a link in a text."  But how do you know it's a scam without opening the messages?  Host Heather Kelly explains a few ways to quickly identify those scam messages.  She also has tips for those annoying phone calls from people asking for money or threatening police intervention.

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 X (Twitter) page.

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

In order to avoid jealousy, hurt feelings, or not knowing what a loved one wants after they pass, it is extremely important to have a plan in place and discuss the transfer of wealth with your loved ones.  That's from Lena Haas, the head of Wealth Management Advice and Solutions leader at Edward Jones.  She says its important to separate your emotions from the Inheritance discussion by bringing in a third party, like a financial advisor.

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 X (Twitter) page.

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

Beneficial Ownership Information, or BOI, is meant to put a stop to money laundering.  However, it's estimated that 36 Million small business entities in the U.S. are required to file paperwork to register their companies with FINCEN -- or pay $591 A DAY if you miss the filing deadline.

Guests Brett Jensen, a Partner with Haynie & Company and Susan Speirs, the CEO of Utah Association of CPAs, explain what type of companies must comply with this 2021 federal law and which ones are exempt.  

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 X (Twitter) page.

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

Currently, shelters across the U.S. are overcrowded with dogs.  But Holly Sizemore, the Chief Mission Officer for Best Friends Animal Society, says they are about to get inundated with cats and kittens as well.

Now is the time to spay and neuter both indoor and all outdoor cats as females are currently in heat and will start producing offspring within the next couple of months.  There are Trap, Neuter, and Release (TNR) programs across the country to help pay for the cost of these procedures.

Sizemore says most pets in shelters are human causes, not because the animal is damaged in someway.  Their adoption fees are much less expensive than buying from a breeder or pet store.

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 X (Twitter) page.

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

Be thoughtful about the money you DO have.  That's from Justin Janowski, coach and founder of Faith2Influence.  He says the beliefs you hold about money -- good or bad -- can influence the amount of wealth you attain.

Justin says 50% of the world exists on only $2.00 a day.  That means, the other 50% of the population has more money than we may we think we do.  The stories we are telling ourselves about what money IS, could be what is holding us back.

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 X (Twitter) page.

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

People need to rethink what a "starter home" looks like.  That's from David Damschen, CEO of Utah Housing Corporation.  The Vice-President of Financial Services for UT Housing Corp, Ariane Gibson says there are several programs available to help pay for rent or a mortgage, but agrees, rethinking the size of your home is important.

Susan Speirs, the CEO of Utah Association of CPAs, says the State and Federal programs available for low income earners do not affect their tax burden -- but they also won't get tax credits.  

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.

Americans are now carrying a record amount of credit card debt more than One-TRILLION dollars.  Lou Scatigna, The Financial Physician, says it's time we think about our finances they way we should about nutrition.  

Lou also says women are better with money than men as a general rule -- and it's important that both people in a relationship have an equal understanding of their finances.  

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

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

Many companies around the world are changing where they put their own money based on  Environment, Social and Governance rules.  Marlo Oaks, the Utah State Treasurer, says this is the downfall of Capitalism.  He says when corporations are required to change how they do business, it ties their hands from making even more money.

Guest host Andy Farnsworth from The Movie Show, and Susan Speirs, the CEO of Utah Association of CPA's both say it is important to keep informed of which companies are using the principles of ESG and decide if you wish to invest in them.

Rule number one -- be accountable for your decisions, both financially and personally.  That's from the author of Prepping for Success, Anmol Singh.  He says when you learn to stick to your word, wealth of all sorts will follow you.

Anmol is also a stock market trader and discusses how to get control of your emotions when the markets are going up and down.

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

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

Are you a spender or a saver?  Amanda Sharratt, the chief operating officer with Whitaker Myers Wealth Managers, says you can create the muscle for saving -- like she had to do as a spender.

Amanda says staying out of debt, especially during the holidays, starts with having a plan ahead of time of how much you can spend within your budget.  A good tip is to sell older items so you have some extra cash to buy gifts.

Amanda also discusses where to start paying off your debt and why it's important to have an emergency fund.

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.

There are multiple ways to pay for higher education that don't include going into debt.  Geoffrey Thomas Landward, the interim Commissioner for Utah System of Higher Education, says the "Keys to Success" app can show you how.  He also discusses the Pell Grant, the Opportunity and Promose scholarships which are FREE.

Susan Speirs, the CEO of Utah Association of CPAs, also gets in on the discussion of filling out FAFSA forms for financial aid.  Along with the importance of higher education; which doesn't always mean going to a college or university.

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.

From shipping scams to people trying to get you to pay for things with gift cards, fraudsters are coming after your money in droves.  Roberta (Bobbi) Tonelli, an attorney with the Federal Trade Commission, says it's important to learn how to spot a scam and then report them at:  ReportFraud.ftc.com

You can learn more about various scams at FTC.gov/consumeralerts.

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 can give as much money as you want to a charity.  However, Wade Watkins a CPA and Partner at Squire, says only approved organizations qualify as deductions on your taxes. 

Susan Speirs, the CEO of Utah Association of CPAs also has tips on making sure you send your money where you want it to go.  And they both discuss the differences in cash vs non-cash donations.

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 stock market is a grocery store for shares of corporate ownership.  But it is restricted and requires a broker to shop."  That's from Dan Calandro, a financial scientist.  He says, contrary to popular teachings, you should NOT be fully invested and that only 15 different stocks are enough to out-perform the market.

Find out when Dan says is the best time to buy and sell and why having a smaller portfolio is better than a larger one on this episode.  You can also get more information at his website LoseYourBroker.com and from his book Lose your Broker, Not your 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.

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

More than 20 million people have stopped giving money to charities over the last two decades because of lack of trust.  Thomas Tighe, the President and CEO of Direct Relief says there are websites you can use to find out if where you want to give is legit.

CharityNavigator.org and CharityWatch.org are two such sites.  However, if you can't give money due to lack of funds this year, Tighe says there are other things you can do to help 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.

This holiday season is slated to be the busiest ever for airports and airlines.  Nicole Carriere, consumer travel expert with United Airlines, says planning ahead is your best bet to not get stressed.  She says allow extra time for parking and getting through security.

Carrier says for Thanksgiving, the day before (Wednesday) is still the busiest for airlines.  But since the pandemic, people's schedules are slightly more flexible so both Monday and Tuesday before Turkey Day are busier than ever before.  Also, find out how United Airlines is using technology to help passengers if flights are delayed or canceled.

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.

Hiring an attorney for an injury claim typically gets you 3-times more money in compensation than without a lawyer.  Jon Groth, a victim advocate attorney, says there are financial changes you can make before a problem arises to help you through unexpected accidents.

Injuries aren't always due to car crash or fall in a restaurant.  Groth says vaccine injuries are a big part of his practice; and you should always use an independent insurance agent.

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.

Should people rethink the most common advice typically given by financial planners? Advisor and author, Derek Mazzarella discusses several ways to invest for retirement not usually considered.  You can get more info from his book "Just Retire Already: An Unconventional Retirement Guide."

Tip #1 -- File a "Life Change" with the IRS when you retire or have big changes in your life, like disability, in order to help with Medicare payment rates.  

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.

A new documentary "Shot in the Arm" discusses the myths and facts about vaccines.  Academy award nominated producer and director, Scott Hamilton Kennedy, along with executive producer (and astro-physicist) Neil deGrasse Tyson, bring the film to life.

The film explores the money behind the anti-vaccine movement along with big pharma.  Learn why director Scott Kennedy says "anti-vaxxers are not just corrupt, they are corrosive" 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.

Plan on getting a minimum of 10 death certificates to deal with all the financial accounts (investments, insurance, savings, etc.) of your loved one.  That's from Brad Barrett, partner and managing director at One Capital Management who also says it's extremely important to speak with your loved one's estate planner attorney and/or Power of Attorney to make sure everyone is on the same page.

Brad also says after the post-life celebration, you need to speak with Social Security Administration and credit facilities like Equifax and Trans Union.  You'll also need to learn the rules about inheriting different financial accounts.

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 average household has $10,000 dollars in credit card debt, which totals over 1-TRILLION dollars nationwide.  Susan Speirs, the CEO of Utah Association of CPAs, discusses ways you can slow the amount of debt you are charging.

HACK #1:  Change the way you think about spending.

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 in or past menopause, you may have bleeding gums, increased tooth sensitivity and dry mouth.  Sarah Chavarria, president of Delta Dental of California, says women need to speak to their dentists about their symptoms sooner, rather than later.

You can get more info about aging, menopause and oral health here.

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 what you do FOR your paycheck, it's what you do WITH it.  That's from Sharon Lechter, CPA and author of "How Money Works for Women: Take Control or Lose It."  She says it's important to make financial decisions with your brain, and not your heart.

Sharon and Heather also discuss how 99% of domestic abuse involves financial abuse and the importance of NOT having everything in joint names for credit reasons.

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.

Impersonator scams are on the rise.  Kerry O'Brien, Regional Director of the Federal Trade Commission's Western Region, says more and more people are losing money to scammers who pretend to be from your bank, Amazon, or web protection services.

Kerry says do NOT click on any hyperlink sent to you via text or email.  You can learn how to identify scams at Consumer.FTC.gov.  And if you've lost money to a scammer you need to report to the FTC, here. 

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 finance office of car dealerships make the most money off you when selling vehicles.  Kevin Hunter, a consumer advisor in the car industry, says they are trained to throw on thousands of dollars of junk fees -- like window etching and destination costs -- when typing out your contract.

Don't fall for the lies many salespeople and finance officers try to get away with the next time you need to purchase a new or used vehicle. Get more help from The Homework Guy YouTube channel.
Best tip:  Negotiate from the comfort of your own home.

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.

Studies show buying habits begin much younger than we think -- as young as 8 or 9 years of age. However, most parents and school teachers don't have a basic grasp on money matters to teach it to kids.  Vince Shorb, CEO of National Financial Educators Council, says even states which require financial literacy in the schools are failing to meet minimum education standards.

Shorb says Financial Literacy is the one subject which benefits 100% of people, but is given the least amount of time in schools.  On top of that, most teachers are simply given an outline of what to teach, but not the skills to explain 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.

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

Not every state in the U-S gives the same tax credits for military personnel.  How do you know which state to file taxes in when you are transferred during the calendar year?  And how is deployment income taxed?

Tackling these, and many other questions are Susan Speirs, CEO of Utah Association of CPAs; Derek Nelson - tax examiner manager & Steve Carlow - outreach training coordinator, both with the Utah State Tax Commission; and Brandon Olsen & Patrick Munson -- both partners and CPAs with Adams & Peterson, CPAs.
You can also get FREE help with your taxes at VITA.

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.

Going overseas for your vacation doesn't have to cost an arm and a leg.  Kate Davis, Associate Producer for KSL Newsradio, says her two week vacation to Peru cost about $1500 - including airfare.

Kate says her best advice is to be open to places you may not have considered as  'bucket list' items to visit.

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.

Life insurance isn't always Death insurance.  Vivian Weyll, found of Aria Financial Group, says a life insurance policy designed the right way with the right benefits can provide college funds for kids or retirement funds -- TAX FREE.

Weyll says you can also get a "Cash Back" policy which returns all the money you paid in if you don't die at the end of the policy's term.

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.

Are you getting the best deals at a Costco or Sam's Club over a regular food store? Dan Spindle, news anchor for KSL 5 TV, says there are 3-things you need to do to save money, no matter where you shop.

Dan and Heather also discuss if food delivery services are worth the cost.

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.

S.T.E.M. (science, technology, engineering and math) is touted as the they way for education and careers.  Tami Goetz, director of Utah STEM Action Center, and Susan Speirs, CEO of Utah Association of CPAs, discuss why it's important to start teaching kids as young as 7-years old these courses.

They also discuss some of the negative problems associated with STEM.  And where people of all ages can go to get hands on learning in areas of STEM to help your kids or older parents.

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.

Surviving our capitalist system requires having true joy and purpose.  Quinn O'Briant, the "Joy Boss," says she faced a life of poverty and failure until she became INTENTIONAL about finding a different way to survive.  Now she has a six figure income.

O'Briant teaches that the link between joy, money and purpose are closely related.  She's offering $200 off her 10-week course on her website.  Use the code "Sense" at checkout to get the discount.

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.

Insurance companies don't want you know this Hack.  David Rosell*, president of Rosell Wealth Management says selling your policy is better than surrendering it, and losing all it's value.

David wrote the book "In the Know: Turning your Unwanted Life Insurance into Serious Cash" and explains what a 'Life Settlement' is and how it works.

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.

*David Rosell is President of Rosell Wealth Management in Bend. www.RosellWealthManagement.com. He is the author of three books. Find David's books at local bookstores, Amazon, Audible as well as Redmond Airport.

Investment advisory services offered through Valmark Advisers, Inc. an SEC Registered Investment Advisor Securities offered through Valmark Securities, Inc. Member FINRA, SIPC 130 Springside Drive, Ste 300 Akron, Ohio 44333-2431. (800) 765-5201. Rosell Wealth Management is a separate entity from Valmark Securities, Inc. and Valmark Advisers, Inc. Valmark Securities supervises all life settlements like a security transaction and its’ registered representatives act as brokers on the transaction and may receive a fee from the purchaser. Once a policy is transferred, the policy owner has no control over subsequent transfers and may be required to disclosure additional information later. If a continued need for coverage exists, the policy owner should consider the availability, adequacy and cost of the comparable coverage. A life settlement transaction may require an extended period to complete and result in higher costs and fees due to their complexity. Policy owners considering the need for cash should consider other less costly alternatives. A life settlement may affect the insured’s ability to obtain insurance in the future and the seller’s eligibility for certain public assistance programs. When an individual decides to sell their policy, they must provide complete access to their medical history, and other personal information. Client name has been changed to protect confidentiality. The gross offer will be reduced by commissions and expenses related to the sale. Each client’s experience varies, and there is no guarantee that a life settlement will generate an offer greater than the current cash surrender value.

Estate planning doesn't have to be intimidating.  David York, attorney, CPA and estate planner with York Howell, says most of the time it simply comes down to taking a few steps.

David also discusses how to avoid probate -- or expensive costs surrounding settling an estate.

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.

National and statewide studies show women and girls are not thriving in critical areas.  Emily Darowski, associate director of Utah Women in Leadership Project, and Susan Speirs, the CEO of Utah Association of CPAs, discuss why it's important to your pocketbook and companies bottom lines, to have more diversity, equity and inclusion.

Emily says "as more and more women and girls thrive, so will families and communities." The project A Bolder Way Forward is designed to help women out of domestic violence, sexual assault, child sexual abuse, and gender-based discrimination situations.

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.

Scammers use your emotions, instead of logic, to gain your trust.  That's from Rob Woellhaf, vice-president of fraud management at Mountain America Credit Union.  He says awareness of the tricks fraudsters use will help prevent you losing your money.

HACK:  NEVER give out your user name and password to any person for any reason, whatsoever. You can get more information at scams.utah.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.

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

You MUST enroll in Survivor Benefit Plan THIS year if you are a military retiree and haven't already.  Retired Brigadier General Mike Meese, says this is a one-time allowance Congress has approved.

Mike Meese is also President of AAFMAA (American Armed Forces Mutual Aid Association) and explains what the Thrift Savings Plan (TSP) is and how military 401k programs work.  Children of deployed service members should contact AAFMAA.com to get information about their 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.

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

True wealth isn't always about money.  Financial expert, Debra Schatzki, co-founder of BPP Wealth, says most of the time it's about your values.

Debra also explains if you don't identify WHY you want financial change in your life and align your values to match, your wealth cannot grow.

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.

As if personal scamming attacks weren't bad enough, author Rob Doctors, says Corporate Greed is taking advantage of consumers as well.  As author of the book "Ethics and Hidden Greed" Rob discusses five strategies of greed to understand in order to avoid getting scammed. HACK: Social media makes it easier to become a victim.

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.

Doing your homework is the key to getting the best price on airfare, hotels, or even deciding if a 'stay-cation' is best for your budget.  That's from Susan Speirs, CEO of Utah Association of CPA's.  

Susan also explains when it's ok to write vacation expenses off on your taxes.

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.

Prenuptial agreements will help set expectations so no one is surprised after the wedding.  That's from Teddi Ann Barry, family law attorney with Divorce in Colorado.  She says we need to think of prenups as an insurance policy, not as a guarantee a marriage won't work.

Teddi Ann also discusses when you should update a prenup and getting a postnup agreement after the wedding.  

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

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

The finance office of car dealerships make the most money off you when selling vehicles.  Kevin Hunter, a consumer advisor in the car industry, says they are trained to throw on thousands of dollars of junk fees -- like window etching and destination costs -- when typing out your contract.

Don't fall for the lies many salespeople and finance officers try to get away with the next time you need to purchase a new or used vehicle. Get more help from The Homework Guy YouTube channel.
Best tip:  Negotiate from the comfort of your own home.

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.

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.

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

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.

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

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.

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

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.