Do you have a hard time talking about money? Do you feel like you are overspending, especially during these times? Our guest today is Jean Chatzky, editor-at-large for “Money” Magazine who served as AOL’s official Money Coach. She is the financial editor for NBC’s “Today Show,” as well as a columnist for “Time” Magazine. She is currently a coach and has guided people on Oprah’s “Debt Diet.” Today she discusses the underlying causes of debt and offers empowering suggestions. She also talks about her book “Pay It Down.” Jean discusses the difference between “good debt” and “bad debt.” When we spend more than we make on things that are not long-lasting, it does not make us happy. This is unconscious spending. We may not think about what we are spending, but then we get hit with big bills. We are constantly seeing marketing. Jean explains how we can all afford a very nice comfortable life, but we need to look at our choices. Money will buy happiness to a point. If you have a nice place to sleep and good food on the table, you have a level of comfort. And more money may not buy you happiness, but good financial habits can make us feel better. Jean conducted a large study of money and happiness. It is important to pay attention to your finances and/or also have a financial advisor. She talks about improving our credit scores and offers tips and tricks to save money each day. Info: jeanchatzky.com and hermoney.com.