Money Making Sense

The goal of Money Making Sense is to help you find more financial peace. Host Heather Kelly and guest experts focus on reviewing paychecks and analyzing family decisions. They also talk about vacationing on a budget, retirement savings on a limited income, reducing household expenses, the financial impact of owning a pet and how money affects relationships. Money Making Sense will give you practical ideas on how to improve your bottom line. Money Making Sense is a 2017, 2018, 2020 and 2021 People's Choice Podcast Award Finalist. 

Episodes

  • November 30, 2022

    What to know IF the Student Loan Forgiveness program happens

    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.

    Play Episode
  • November 23, 2022

    Tools to minimize education costs

    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.

    Play Episode
  • November 18, 2022

    Help is available in this challenging housing market

    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.

    Play Episode
  • November 16, 2022

    Improving your credit score

    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.

    Play Episode
  • November 9, 2022

    How to recognize a financially abusive relationship

    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.

    Play Episode
  • November 5, 2022

    BONUS: Rick Steves Art of Europe

    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.

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

    Play Episode
  • November 2, 2022

    Save money while traveling by using your time wisely

    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.

    Play Episode
  • October 26, 2022

    Which 4-Money Scripts category do you fall under?

    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.

    Play Episode
  • October 19, 2022

    Was Alexander Hamilton's 'best shot' the worst for American economics?

    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.

    Play Episode
  • October 12, 2022

    The 3-Major risks in retirement

    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.

    Play Episode
  • October 5, 2022

    Taming the high cost of education

    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.

    Play Episode
  • September 28, 2022

    What are the hurdles for 1st time homebuyers?

    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.

    Play Episode
  • September 21, 2022

    The cost for insulin capped at $35 per month

    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.

    Play Episode
  • September 14, 2022

    Understanding your health insurance options

    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.

    Play Episode
  • September 7, 2022

    Save money by buying or selling your leased car

    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.

    Play Episode
  • August 31, 2022

    New SEC rules can affect individuals

    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.

    Play Episode
  • August 24, 2022

    Divorce, recession style!

    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.

    Play Episode
  • August 17, 2022

    Building your buffers is key to weathering inflation and recession

    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.

    Play Episode
  • August 10, 2022

    Help is available to buy an affordable home

    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.

    Play Episode
  • August 3, 2022

    Back to school shopping

    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.

    Play Episode
  • July 29, 2022

    What are your tax dollars funding for the $1.2 Trillion Infrastructure bill?

    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.

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

    Play Episode
  • July 27, 2022

    Don't take on additional debt during a recession

    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.

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

    Play Episode
  • July 20, 2022

    Employees can now ask for a lot more flexibility when job hunting

    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.

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

    Play Episode
  • July 13, 2022

    Boost your emergency savings, NOW!

    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.

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

    Play Episode
  • July 6, 2022

    Test your dust for mold, not the air

    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.

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

    Play Episode
  • June 29, 2022

    Why men and women think about money differently

    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.

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

    Play Episode
  • June 22, 2022

    Equity doesn't mean Equal

    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.

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

    Play Episode
  • June 15, 2022

    Costs of getting your backyard ready to entertain

    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.

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

     

    Play Episode
  • June 8, 2022

    How to recognize scam text messages

    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.

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

    Play Episode
  • June 1, 2022

    Making electric vehicles affordable for lower income families

    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.

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

    Play Episode
  • May 25, 2022

    Turn financial learning into a family affair

    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.

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

    Play Episode
  • May 23, 2022

    The 5 worst ways to devastate your finances

    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.

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

    Play Episode
  • May 18, 2022

    How NOT to be a victim of affinity and romance scams

    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.

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

    Play Episode
  • May 11, 2022

    These red flags can alert you to gift card scams

    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.

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

    Play Episode
  • May 8, 2022

    A former ice skating hitman discusses redemption and financial success, Part 2

    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.

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

    [Photo insert courtesy of ABC News.]

    Play Episode
  • May 6, 2022

    How being a hitman for ice skating affected his future income potential, Part 1

    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.]

    Play Episode
  • May 4, 2022

    Has YOUR financial happiness improved during the pandemic?

    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.

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

    Play Episode
  • April 27, 2022

    Taxes filed, now what?

    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.

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

    Play Episode
  • April 20, 2022

    How to prepare for rising interest rates and inflation

    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.

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

    Play Episode
  • April 13, 2022

    The 6 Pillars to financial empowerment

    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.

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

    Play Episode
  • April 6, 2022

    3 signs to know when your aging parents need help

    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.

    Play Episode
  • March 30, 2022

    How to reduce your tax burden in retirement

    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.

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

    Play Episode
  • March 23, 2022

    Are you stealing your own identity?

    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.

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

    Play Episode
  • March 16, 2022

    How to start your own business

    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.

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

    Play Episode
  • March 13, 2022

    BONUS: David Pogue wants everyone to use self-driving cars

    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.

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

    Play Episode
  • March 9, 2022

    How your self-worth affects your financial wealth

    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.

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

    Play Episode
  • March 2, 2022

    Should you follow the advice of financial social media influencers?

    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.

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

     

    Play Episode
  • February 23, 2022

    More people could qualify for EITC on their taxes this year

    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.

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

    Play Episode
  • February 16, 2022

    How to save money during inflation

    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.

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

    Play Episode
  • February 9, 2022

    Your pharmacist could take over your medical care

    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.

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

    Play Episode
  • February 6, 2022

    THIS is why you need a CPA for your 2021 taxes

    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.

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

    Play Episode
  • February 2, 2022

    Not understanding your medications could cost you. Pt 2

    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.

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

    Play Episode
  • January 26, 2022

    Is your doctor medicating your normal feelings? Pt 1

    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.

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

    Play Episode
  • January 22, 2022

    SUNDANCE: Calendar Girls

    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.

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

    Play Episode
  • January 20, 2022

    SUNDANCE: Hallelujah

    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.

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

    Play Episode
  • January 19, 2022

    SUNDANCE: The Panola Project

    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.

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

    Play Episode
  • January 16, 2022

    Drug companies are increasing prices to give bigger dicounts. Pt 2

    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.

    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.

    Play Episode
  • January 12, 2022

    THIS is why your prescription drugs cost so much! Pt 1

    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.

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

    Play Episode
  • January 5, 2022

    What are YOUR 2022 Money Resolutions?

    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.

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

    Play Episode
  • December 29, 2021

    The IRS IS sending you a letter!

    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.

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

    Play Episode
  • December 22, 2021

    Reduce your taxable income by giving to charity, NOW!

    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.

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

    Play Episode
  • December 15, 2021

    You can diversify your IRA on your own

    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.

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

    Play Episode
  • December 8, 2021

    How to speak to your parents about their finances

    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.

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

    Play Episode
  • December 1, 2021

    The 401(k) mistakes you'll come to regret

    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.

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

    Play Episode
  • November 26, 2021

    SCAM ALERT: Gift cards are for gifts, not paying someone

    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.

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

    Play Episode
  • November 24, 2021

    Act your WAGE this holiday season

    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.

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

    Play Episode
  • November 17, 2021

    Choosing health insurance plans means doing the math

    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.

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

    Play Episode
  • November 10, 2021

    Do you have Irrational Exuberance over financial markets?

    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.

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

    Play Episode
  • November 3, 2021

    3 Top Tips to lower car insurance for your teen

    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.

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

    Play Episode
  • October 20, 2021

    Launching William Shatner into space could teach you to invest more wisely

    Some call it a P.R. stunt to get more people buy products form Amazon.  Chris Janeway, the founder of Fourth Point Wealth, says all the billionaires who are launching rockets into space are trying to build a cult following around their brand names.

    Chris says stock prices at Amazon, Tesla, and Virgin didn't move much on the days when each of those company's owners launched rockets, including the day William Shatner went into space.  

    Instead, he says many people are investing thier money the way they deal with traffic congestion.  And that's a very bad thing.  Because he says it isn't exciting to invest your money the right way.

    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.

    Play Episode
  • October 13, 2021

    Your employer might fund your education

    Many companies now offer tuition reimbursement as a benefit to employment.  Dr. Jill Buban, the General Manager and V.P. of EdAssist Solutions explains why workers should take advantage of it.  

    She also discusses why businesses are having to add this perk to their hiring packages and what they gain.

    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.

    Play Episode
  • October 6, 2021

    The cost of Vitamin D3 is cheaper than a hospital bill

    Research finds Vitamin D3 protects your immune system.  Dr. Leslie Ray Matthews conducted 10-years of research using D3 on pneumonia patients.  He says it will help with all types of illnesses, including COVID-19.

    Host Heather Kelly learned D3 is actually a hormone, not a vitamin.  And it can save you tens of thousands of dollars in hospital bills. Find out what else D3 can do for your health 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.

    Play Episode
  • September 22, 2021

    Can you survive 2 more years of the pandemic economy?

    Several sectors of the economy may not get back to normal for at least  two more years.  That's according to Robert Spendlove, senior economist at Zions Bank.  He and Susan Speirs, the CEO of Utah's Association of CPA's discuss where jobs are growing and which ones are still struggling.

    If you're looking for a job, any job, Spendlove says there are 11-MILLION openings right now across the United States.

    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.

    Play Episode
  • September 15, 2021

    What's your personal inflation rate?

    Saving for retirement is never easy.  But financial planner, John Smallwood, the President of Smallwood Wealth Management says you need to make sure you are saving at the correct inflation rate for you.

    John advises putting money away into savings FIRST; then pay the bills with what's leftover.  Not the other way around. 

    He also has a book to help you keep your money, "It's Your Wealth-Keep It: The Definitive Guide to Growing, Protecting, Enjoying, and Passing On Your Wealth."

    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.

    Play Episode
  • September 8, 2021

    How to make money on YouTube

    Many people turned to YouTube during the pandemic.  Some to keep themselves busy if they were out of work, others as a way to supplement their income.  Max Miller, the host of Tasting History, says he was lucky enough to be able to replace his entire salary.

    He explains what you need to get started, but also says, "Don't create a YouTube channel with the express belief you will make 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.

    Play Episode
  • September 1, 2021

    How to buy a home in a seller's market

    Home buying is super competitive right now.  Lisa Grant, real estate broker, says buyers need to be prepared to give their best offer at the get-go.  And don't get too attached to any particular home.

    She also explains why you should take a handyman with you when walking through a potential new house.

    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.

    Play Episode
  • August 25, 2021

    Your guide to 401k and IRA rollovers

    If you have both a 401k and an IRA, you can only contribute a total of $25,500 per year -- between both accounts.  Adam Nugent, the Founder & CEO of Foresight Wealth, explains why.  And Susan Speirs, the CEO of UACPA goes over some tax issues if you transfer money between the two retirement funds.

    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.

    Play Episode
  • August 18, 2021

    Are you offensive or defensive with your income?

    CEO and co-founder of Madison Investing, Spencer Hilligoss, says it may be time to change how you think about bringing in income.  

    First you need to discover what is most important to you -- promotions with a big salary to pay for your every need or a balance between work and a personal life.

    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.

    Play Episode
  • August 11, 2021

    How to recover from selling your retirement fund

    More than a third of Americans panic sold a portion of their retirement fund during the pandemic.  Dr. Francesca Ortegren, data scientist with Clever Real Estate discusses how to get a majority of your nest egg back.

    She and host, Heather Kelly also talk about the behavior of panic selling.  It stems from the same place as hoarding -- FEAR.

    To see all the research go to the original article at Clever.

    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.

    Play Episode
  • August 4, 2021

    Is your lack of income tied to lack of passion for your job?

    Do you love your job, but not your manager?  That's the number one reason, Colin Wilford, a career planning expert and counselor at Wilford Scholes, says people leave their place of work.

    However, working in an industry you don't have passion for simply to get a higher paycheck is another big reason people aren't happy in their career.

    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.

    Play Episode
  • July 28, 2021

    Setting financial goals for your future

    The biggest problem people have with their finances is wanting everything "right now!"  That's from Tad Tuttle, a CPA and partner at Hinton BurdickChad Lambert, manager at Hinton Burdick, and the CEO of the Utah Association of CPA's, Susan Speirs discuss how to figure out what your financial goals should be and how to get there. 

    They also discuss with host Heather Kelly, what the pros and cons of taking out a Reverse Mortgage 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.

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

    Play Episode
  • July 21, 2021

    Bank on yourself

    You can become your own source of financing and at the same time create a tax-free income tool in retirement.  Mark Willis, owner of Lake Growth Financial Services says it comes down to T.G.I.F. -- Tax Adavantage Guranteed, Insurance, Financing.

    Mark explains how we lose out on compound interest everytime we buy something.  Find out what Mark says is the solution to keeping money in your wallet and not handing it over to banks.

    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.

    Play Episode
  • July 14, 2021

    5-steps to building wealth

    The first step to becoming debt free is to know where you are financially.  Rachel Podnos O'Leary, the author of 21st Century Wealth, says you need to take a hard look at how much money is actually coming into your life and how much is going out.

    Do you prefer the Snowball or Avalanche method to paying off bills?  Find out the difference as Rachel and host, Heather Kelly explain why they prefer their chosen method.

    Protecting your wealth is just as important to getting out of debt.  Find out how Personal Liability Umbrella Insurance could be the key.

    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.

    Play Episode
  • July 7, 2021

    Are HOA dues worth the cost?

    If you live in a Home Owners Association community, you are paying dues.  Jason Hearst, host of The HOA Show, explains why they are necessary.  He also talks about property management companies and their role in HOA's.

    Jason and host, Heather Kelly, also discuss why living in a community which has a reserve fund is a must.

    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.

    Play Episode
  • June 30, 2021

    Save early and often for a 529 plan

    You can save over time for school expenses, much like saving for retirement.  Troy Runnells, Senior director for strategy and business development with My529, explains how they work.  More importantly, he tells how to cash in your savings when its time to pay for school.

    Susan Speirs, CEO of Utah Association of CPA's also joins the conversation to discuss the tax implications of the 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.

    Play Episode
  • June 23, 2021

    THC vs CBD: Understanding the differences and their cost

    CBD is the latest fad.  You can find it in everything from gummie bears to face lotion.  Jennifer Beck, cofounder of Jihi, says not all CBD products are the same; and going cheap could be bad.

    Jennifer also explains to host, Heather Kelly, you can only get high from marijuana (THC) one way.  Find out what's involved in opening a marijuana dispensary.

    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.

    Play Episode
  • June 16, 2021

    Should you quit your job or go back to the office?

    Do you feel you have to make a choice between going back to the office or quitting your job?  Anders Melin, wealth reporter for Bloomberg, says it is happening across the country.

    Find out why employers want to 'get back to how things were before' and why employees want more flexibility.

    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.

    Play Episode
  • June 9, 2021

    How to quickly spot a scam

    Can you spot a scam within 30-seconds?  Host Heather Kelly gives tips on how to notice email and snail mail scams.  

    She'll also tell you the number one thing to NEVER do when you open emails.

    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.

    Play Episode
  • June 2, 2021

    Never pay JUST your minimum balance

    Do you know the difference between credit counseling and debt consoladaion?  One will get you back on your feet, the other could result in being taken to court.  

    Gerri Detweiler, the education director for Nav, explains the best practices for getting out of debt or not running into problems to start with.

    1. If you can eat it, drink it or wear it -- don't charge it
    2. Never pay just the minimum 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.

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

    Play Episode
  • May 26, 2021

    NOW is the time to prepare for next year's tax season

    Tax codes are in continual flux right now.  That's from Ashley Christenson the Tax Manager for Tanner, LLC.  She and Susan Speirs, CEO of UACPA, say you need to start preparing now in order to file your taxes next year.

    The Federal Government won't make you pay taxes on a PPP loan you may have received.  However, several states will want its share of income tax from it.  If you collected unemployment during 2020 or 2021, you may also owe taxes on that 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.

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

    Play Episode
  • May 19, 2021

    Heirarchy of Investments: Do you have the best ROI?

    A Family Bank could be a better return on investment than a conventional one.  Don't know what a 'family bank' is?  Chris Odegard, The Prolific Investor, explains.

    Chris also turns conventional investing on its ear by creating "The Prolific Investors Heirarchy of Investments".  Traditional investments, like 401k's, are in the shadow of the pyramid.  While he puts private lending, rental properties and cryptocurrency on the heirarchy.

    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.

    Play Episode
  • May 12, 2021

    Expense Ratios: you're paying this fee

    Do you have a 401k, a mutual fund, or IRA?  You're paying an expense ratio, whether you know it or not.  Clayton Johnson, certified financial planner with Squire Wealth Advisors, explains what these fees are.

    He also discusses management fees if you are using a financial advisor, and says, for the most part, you should not be paying more than 1.5% of your investment in fees.  Here's where to find many expense ratio fees.

    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.

    Play Episode
  • May 5, 2021

    How to get out of debt, faster

    Thirty-eight percent of all Americans increased their debt load by more than $3000 during the pandemic.  While the top 1% increased their wealth an average of $15,000,000.00.  

    Dr. Francesca Ortegren, data scientist with Clever, has some tips to climb out of debt faster -- even during the pandemic.

    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.

    Play Episode
  • April 28, 2021

    Are diners, drive-ins & dives a thing of the past?

    Eating habits changed during the pandemic and food prices are rising.  David Page, the Food Network producer of Diners, Drive-Ins, & Dives says minimizing waste is the key to saving money.

    Page also has a new book called "Food Americana" where he explains how many of our favorite dishes evolved and from where they came.

    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.

    Play Episode
  • April 21, 2021

    PPP 2: An Employee Retention Credit (ERC) could be a bigger benefit

    Time is running out to get money from the Payroll Protection ProgramBruce Gulso, Partner at WSRP, Carl Steffan a Director of WSRP, and Perry Christensen, Manager of Client Accounting Services at WSRP say the Small Business Administration is quickly running out of funds to give employers.

    However, a much overlooked program from the Cares Act, the Employee Retention Credit (ERC), could net you much more money than the PPP.  And the SBA is rolling out a Restaurant Revitalization Program soon.

    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.

     

    Play Episode
  • April 14, 2021

    The difference between eggs and their effect on your wallet

    Why should you care about cage free eggs, especially if they are more expensive than standard eggs?  Josh Balk, VP of farm animal protections from the Humane Society of the United States explains what all those labels mean on egg cartons.

    Find out why eggs look and taste better when they don't come from hens who live in a cage their entire lives.  Host Heather Kelly says they are worth the extra 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.

    Play Episode
  • April 7, 2021

    Can you make money selling your collectables?

    Find out why collecting dolls is better than taking pills to relieve stress according to Disney expert, Joel Magee.  The toy appraiser from History Channel's Pawn Stars joins host Heather Kelly to discuss toys.

    HINT:  If you have childhood Harry Potter memorabilia, make sure to hang on to it until you're about 45-years of age to get the best price if you sell 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.

    Play Episode
  • March 31, 2021

    Money is a tool - make it fun!

    Nobody likes a budget, so change your mindset.  Melissa Myers, co-founder of Kar-Mel Financial Planners, says you can empower yourself by spending your money in thoughtful ways.  

    You need to make sure you align your money with your values to get the best results.  And find out why the 'financial rules of thumb' don't apply to you, in her latest book.

    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.

    Play Episode
  • March 24, 2021

    Payroll Protection Program loans are still available under PPP1

    The government extended benefits, and added funds, to the first Payroll Protection Program rolled out in Spring of 2020.  Susan Speirs, CEO of UACPA and Greg Hyde, partner at Squire have details.

    They also discuss with host, Heather Kelly, what makes this loan forgiveable under federal rules and if you have to pay state taxes on the funds.

    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.

    Play Episode
  • March 17, 2021

    Emotional Support vs Service Animals and their costs

    The Department of Transportation changed the rules for allowing emotional support animals in the cabins of aircraft.  Robert Span, attorney at Steinbrecher & Span, explains the difference.

    HACK:  Emotional support animals are NOT trained to do anything -- Service animals 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.

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

    Play Episode