Brian Copeland

Heather Wagenhals is an expert in personal finance and wealth building. She is also the author of "Money, Credit and You: How to Avoid Identity Theft, Frauds and Scams." She provides tips on how to become financially stable. Her tips are: 1. Relax- We must remain our most calm to access a resourceful state required for effective decision-making. 2. make assessment-from our second key in the keys to riches financial philosophy we must understand everything that is coming in and going out, to the last dollar. This includes cash for kid's allowances and quick trips to the convenience stores. 3. create a plan-save 1st/spend what's left over-even if it's five cents of every dollar, you must pay yourself first by creating an emergency fund, then start quality of life and retirement savings. 4. be a conscious shopper-this is important if you're in transition.if you have to charge it, you can't afford it. Be aware of why you're making expenditures, are you soothing emotions with a justified purchase or is it