Are you one of those right-brained peoplemore creative than logical? Are you not good with numbers so you don’t like budgets? Well, how about a spending plan with just three numbers 50, 30, and 20? It might just be the easiest budget in the world with three simple categories. Follow it and you can say good-bye to living paycheck to paycheck! Today, Kingdom Advisors Rob West walks you through this simple spending plan.

The 50/30/20 Budget is a simple, beginner’s budget. It’s not unlike the simple Jars System you might teach small children about managing money. But just because it’s easy doesn’t mean it’s not effective. If you follow the 50/30/20 budgeting rule you’ll definitely get your finances on track.

This budget is simply the percentages of your after-tax income you put into the three categories of the spending plan: needs, wants, and savings (or debt repayment).

So how exactly do you determine your after tax income? You have to add back in everything that isn’t income or payroll taxes which are Social Security and Medicare deductions. That gives you the number you have to work with for your three categories.

What goes into our three categories? (1) Needs are things you absolutely must pay each month. This include rent or mortgage, car payments, groceries, gasoline, utilities, and health insurance. (2) Your wants category include what you’d like to have but aren’t essential for living: eating out, cable, gym memberships, subscriptions, and vacations. (3) Finally, you have 20% left over for your emergency fund and retirement investments and/or paying down debt.

If you don’t already have 3 to 6 months’ living expenses in an emergency fund, you should split that last 20% with half going into short-term savings and the rest applied as extra on your debt. And of course, once your debt’s paid off, you can put the whole 20% into savings.

On today’s program we also answer your questions:

Is it wise to use an FHA loan (here in South Florida) or wait until the 20% down-payment is there?

What can you recommend to a Christian for a sharing ministry healthcare product?

My husband is 72. He’s retired, so he gets social security and 100% disability from the VA.We have a 401(k) in his name from when he left his jobit’s a little less than $100,000. Somebody is advising him that he needs to turn that into an annuity. Should we pursue this?

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources.

Like and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!Remember that it’s your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Are you one of those right-brained peoplemore creative than logical? Are you not good with numbers so you dont like budgets? Well, how about a spending plan with just three numbers 50, 30, and 20? It might just be the easiest budget in the world with three simple categories. Follow it and you can say good-bye to living paycheck to paycheck! Today, Kingdom Advisors Rob West walks you through this simple spending plan.

The 50/30/20 Budget is a simple, beginners budget. Its not unlike the simple Jars System you might teach small children about managing money. But just because its easy doesnt mean its not effective. If you follow the 50/30/20 budgeting rule youll definitely get your finances on track.

This budget is simply the percentages of your after-tax income you put into the three categories of the spending plan: needs, wants, and savings (or debt repayment).

So how exactly do you determine your after tax income? You have to add back in everything that isnt income or payroll taxes which are Social Security and Medicare deductions. That gives you the number you have to work with for your three categories.

What goes into our three categories? (1) Needs are things you absolutely must pay each month. This include rent or mortgage, car payments, groceries, gasoline, utilities, and health insurance. (2) Your wants category include what youd like to have but arent essential for living: eating out, cable, gym memberships, subscriptions, and vacations. (3) Finally, you have 20% left over for your emergency fund and retirement investments and/or paying down debt.

If you dont already have 3 to 6 months living expenses in an emergency fund, you should split that last 20% with half going into short-term savings and the rest applied as extra on your debt. And of course, once your debts paid off, you can put the whole 20% into savings.

On todays program we also answer your questions:

Is it wise to use an FHA loan (here in South Florida) or wait until the 20% down-payment is there?

What can you recommend to a Christian for a sharing ministry healthcare product?

My husband is 72. Hes retired, so he gets social security and 100% disability from the VA.We have a 401(k) in his name from when he left his jobits a little less than $100,000. Somebody is advising him that he needs to turn that into an annuity. Should we pursue this?

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources.

Like and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

Young people are entering adulthood these days with little training in basic money management, because schools seldom teach financial literacy. That leaves teaching these vital skills up to parents.After the Gospel itself, there’s no greater gift we can give our children than the knowledge and training to use money wisely. Today, host Rob West welcomes financial expert and author Ron Blue to tell us how it’s done. Then it’s your calls at 800-525-7000. 800-525-7000.

Parents must understand that they’re role models. Even if they do nothing, they’re still teaching their children something about money management. If the family lives on a spending plan and the bills are always paid, the unspoken lesson is positive.

If the utilities are occasionally shut off and parents squabble over finances, that lesson is negative. So sometimes, parents must first put their own house in order before teaching their children.

Proverbs 22:6 lays the foundation for conveying knowledge to children.Train up a child in the way he should go, And when he is old he will not depart from it.Teaching is the part of training that involves the intellect, but training as a whole involves the will.

To successfully train a child to manage money wisely the child mustexperiencewhat’s being taught. The child must also have the opportunity to fail. Parents must provide feedback during the process and reward the child at various stages of progress.

Training your children to manage money involves four basic principles and four basic skills. Principles arecaught,but skills aretaught.

First, that God owns it all.

Next, there’s always a trade-off between effort and reward.

Then, there’s no such thing as an independent financial decision, every spending decision is a spiritual decision.

Finally, delayed gratification is the key to financial maturity.

Children must develop these four skills:

First, how to develop a one-year spending plan.

That’s followed by learning to buy wisely.

Then, how to make financial decisions.

And last but not least, how to set financial goals.

Children must learn to live on a budget. And that budget always contains two elements: aplanfor spending, and a system ofcontrolsthat ensures spending is never greater than the plan indicates.

On today’s program we also answer your questions:

I own my house debt free. I am thinking of purchasing a new home. I have the money to purchase the new home in investments. Should I refinance and take out another mortgage or just use money I already have?

I am single with no children. Is a 401K or a Roth IRA better for my situation?

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources.

Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that it’s your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Young people are entering adulthood these days with little training in basic money management, because schools seldom teach financial literacy. That leaves teaching these vital skills up to parents.After the Gospel itself, theres no greater gift we can give our children than the knowledge and training to use money wisely. Today, host Rob West welcomes financial expert and author Ron Blue to tell us how its done. Then its your calls at 800-525-7000. 800-525-7000.

Parents must understand that theyre role models. Even if they do nothing, theyre still teaching their children something about money management. If the family lives on a spending plan and the bills are always paid, the unspoken lesson is positive.

If the utilities are occasionally shut off and parents squabble over finances, that lesson is negative. So sometimes, parents must first put their own house in order before teaching their children.

Proverbs 22:6 lays the foundation for conveying knowledge to children.Train up a child in the way he should go, And when he is old he will not depart from it.Teaching is the part of training that involves the intellect, but training as a whole involves the will.

To successfully train a child to manage money wisely the child mustexperiencewhats being taught. The child must also have the opportunity to fail. Parents must provide feedback during the process and reward the child at various stages of progress.

Training your children to manage money involves four basic principles and four basic skills. Principles arecaught,but skills aretaught.

First, that God owns it all.

Next, theres always a trade-off between effort and reward.

Then, theres no such thing as an independent financial decision, every spending decision is a spiritual decision.

Finally, delayed gratification is the key to financial maturity.

Children must develop these four skills:

First, how to develop a one-year spending plan.

Thats followed by learning to buy wisely.

Then, how to make financial decisions.

And last but not least, how to set financial goals.

Children must learn to live on a budget. And that budget always contains two elements: aplanfor spending, and a system ofcontrolsthat ensures spending is never greater than the plan indicates.

On todays program we also answer your questions:

I own my house debt free. I am thinking of purchasing a new home. I have the money to purchase the new home in investments. Should I refinance and take out another mortgage or just use money I already have?

I am single with no children. Is a 401K or a Roth IRA better for my situation?

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources.

Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

Summer is the traditional season for get-away vacations. However this year, the COVID-19 pandemic poses new challenges. Family budgets are strained, forcing parents to get creative about summer fun for kids. Not surprisingly, sales of pricey trampolines and above-ground pools have soared. Today, financial planner and teacher Rob West has some ways that parents can occupy the kids without busting the budget.

(1) Rethink your local library. If you haven’t been there in a while, you may have forgotten that it’s a great place to research hundreds of family activities that entertain and educate.

(2) While you’re browsing through the library stacks, look for ways to bring the fun outside. For example, check out books with pictures of the constellations. That night you can sit in the backyard and search the skies for the Big Dipper and other celestial formations. It’s also a great time to talk about God’s creation.

(3) Visit a state or county park. If you find a nearby park is open, take a hike, enjoy some fresh air, and use the opportunity to teach the kids about nature.

(4) When the weather doesn’t cooperate, look for indoor activities. Try some board games or a jigsaw puzzle. If the kids are younger and can’t sit still, a blanket fort can turn an afternoon into an adventure.

(5) Have a yard sale with your family wares spread out on tables. This is an activity that can turn closet clutter into extra cash! It’s also a chance to teach kids the value of things. Encourage them to give to others from their profits.

(6) You may already be taking family walks around the neighborhood, but step it up by researching local places of interest. Start with historical markers nearby that you’ve probably driven by hundreds of times without stopping.

(7) Take a short field trip to a playground in the next town where the kids can find new equipment to play on. Bring a ball or a frisbee and play withthe kids. We can all use a little more fresh air and exercise.

(8) Arrange an entertainment swap with friends. Exchange movies or video games for the weekend. It’ll feel like you’ve bought something new without spending any money.

(9) How about a little D-I-Y for the kids? Help them build airplanes or kites with scrap paper and have a competition to see which ones fly the farthest or highest. For design ideas, go back to fun idea #1visit the library.

(10) While on a family walk, visit an elderly or disabled person in your neighborhood. And while you’re chatting, take notice of anything you and your children might do to help them out and then offer to do it. It’s a great way to share the Gospel and the love of Christ. This will also help teach your children respect for others and appreciation for what God has given them.

On today’s program we also answer your questions:

Help me to learn more about something called Qualified Charitable Distribution.

I just received some inheritance and need to know where I should put this money. What do you think about using a certificate of deposit or a high-yield savings? Rob referencedbankrate.com(https://www.bankrate.com/) with this caller. Rob also mentionedmarcus.com(https://www.marcus.com/us/en) as one of 3 possible sites for savings rates.

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources.

Like and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!Remember that it’s your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Summer is the traditional season for get-away vacations. However this year, the COVID-19 pandemic poses new challenges. Family budgets are strained, forcing parents to get creative about summer fun for kids. Not surprisingly, sales of pricey trampolines and above-ground pools have soared. Today, financial planner and teacher Rob West has some ways that parents can occupy the kids without busting the budget.

(1) Rethink your local library. If you havent been there in a while, you may have forgotten that its a great place to research hundreds of family activities that entertain and educate.

(2) While youre browsing through the library stacks, look for ways to bring the fun outside. For example, check out books with pictures of the constellations. That night you can sit in the backyard and search the skies for the Big Dipper and other celestial formations. Its also a great time to talk about Gods creation.

(3) Visit a state or county park. If you find a nearby park is open, take a hike, enjoy some fresh air, and use the opportunity to teach the kids about nature.

(4) When the weather doesnt cooperate, look for indoor activities. Try some board games or a jigsaw puzzle. If the kids are younger and cant sit still, a blanket fort can turn an afternoon into an adventure.

(5) Have a yard sale with your family wares spread out on tables. This is an activity that can turn closet clutter into extra cash! Its also a chance to teach kids the value of things. Encourage them to give to others from their profits.

(6) You may already be taking family walks around the neighborhood, but step it up by researching local places of interest. Start with historical markers nearby that youve probably driven by hundreds of times without stopping.

(7) Take a short field trip to a playground in the next town where the kids can find new equipment to play on. Bring a ball or a frisbee and play withthe kids. We can all use a little more fresh air and exercise.

(8) Arrange an entertainment swap with friends. Exchange movies or video games for the weekend. Itll feel like youve bought something new without spending any money.

(9) How about a little D-I-Y for the kids? Help them build airplanes or kites with scrap paper and have a competition to see which ones fly the farthest or highest. For design ideas, go back to fun idea #1visit the library.

(10) While on a family walk, visit an elderly or disabled person in your neighborhood. And while youre chatting, take notice of anything you and your children might do to help them out and then offer to do it. Its a great way to share the Gospel and the love of Christ. This will also help teach your children respect for others and appreciation for what God has given them.

On todays program we also answer your questions:

Help me to learn more about something called Qualified Charitable Distribution.

I just received some inheritance and need to know where I should put this money. What do you think about using a certificate of deposit or a high-yield savings? Rob referencedbankrate.com(https://www.bankrate.com/) with this caller. Rob also mentionedmarcus.com(https://www.marcus.com/us/en) as one of 3 possible sites for savings rates.

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources.

Like and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

It’s a sad fact of life, wherever there’s money, there’s a scammer trying to take it away. Con artists are now going after people who may already be in financial trouble. The target? Stimulus checks. Scammers constantly change their tactics to match conditions. With trillions in coronavirus relief funds going out, they’ve adapted to this new environment. Today, host Rob West tells you how to protect yourself. Then it’s your calls at 800-525-7000.

According to the Federal Trade Commission, con artists are concentrating on college students and nursing home residents, but they’re also trying to victimize individuals receiving unemployment benefits and small business loans.

In just a few months Americans have lost more than $40 million to these con artists with an average loss of around $450.

One targets college students with fake emails that appear to come from school officials. Students are urged to view a message about their COVID-19 stimulus checks and provided with a link that requires their school login. Scammers capture that and use it to access other personal information for potential identity fraud. Clicking the link may also download malware onto students’ devices.

The FTC is warning that some nursing homes and assisted living facilities are trying to get their hands on residents’ stimulus checks. They tell the elderly receiving Medicaid benefits to sign their checks over to the facility because it’s entitled to them.

There are many other types of coronavirus scams in play right now and the IRS is warning all taxpayers, Social Security recipients and others to be especially vigilant for them.

Always verify web addresses. You can do that by manually typing them into your web browser's address field.

If a website claims to act as an intermediary between you and the IRS to facilitate processing your stimulus payment, don’t use it. It’s a scam outfit trying to get your personal financial information.

If you receive a phone call with an automated message concerning your stimulus check just hang up. The IRS always communicates by regular mail, first.

Never give your personal information to anyone claiming to be from the IRS, another government agency, or business.

Beware of stimulus checks offered by anyone other than the Treasury Department. Don’t accept or deposit them.

On today’s program we also answer your questions:

I am a Christian and I am on hard times. I go to a small church and they are not really able to help me. Should I look into going to a different church for help?

I was automatically put into the 401K plan at my job instead of the pension plan. Now I am having to pay a lump sum to get into the pension plan. Is it worth it?

I am 21 years old and I have 40K of debt, student loans and car debt. What is the best way to get rid of this debt?

I don’t have any credit on my name right now. I would like to buy a home. What is the best way to change this?

I am 60 years old and I just started a new job. After 90 days, the employer will match 3% of a 401k. Should I go with this plan or should I do my own Roth IRA or regular CD?

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources.

Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that it’s your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Its a sad fact of life, wherever theres money, theres a scammer trying to take it away. Con artists are now going after people who may already be in financial trouble. The target? Stimulus checks. Scammers constantly change their tactics to match conditions. With trillions in coronavirus relief funds going out, theyve adapted to this new environment. Today, host Rob West tells you how to protect yourself. Then its your calls at 800-525-7000.

According to the Federal Trade Commission, con artists are concentrating on college students and nursing home residents, but theyre also trying to victimize individuals receiving unemployment benefits and small business loans.

In just a few months Americans have lost more than $40 million to these con artists with an average loss of around $450.

One targets college students with fake emails that appear to come from school officials. Students are urged to view a message about their COVID-19 stimulus checks and provided with a link that requires their school login. Scammers capture that and use it to access other personal information for potential identity fraud. Clicking the link may also download malware onto students devices.

The FTC is warning that some nursing homes and assisted living facilities are trying to get their hands on residents stimulus checks. They tell the elderly receiving Medicaid benefits to sign their checks over to the facility because its entitled to them.

There are many other types of coronavirus scams in play right now and the IRS is warning all taxpayers, Social Security recipients and others to be especially vigilant for them.

Always verify web addresses. You can do that by manually typing them into your web browser's address field.

If a website claims to act as an intermediary between you and the IRS to facilitate processing your stimulus payment, dont use it. Its a scam outfit trying to get your personal financial information.

If you receive a phone call with an automated message concerning your stimulus check just hang up. The IRS always communicates by regular mail, first.

Never give your personal information to anyone claiming to be from the IRS, another government agency, or business.

Beware of stimulus checks offered by anyone other than the Treasury Department. Dont accept or deposit them.

On todays program we also answer your questions:

I am a Christian and I am on hard times. I go to a small church and they are not really able to help me. Should I look into going to a different church for help?

I was automatically put into the 401K plan at my job instead of the pension plan. Now I am having to pay a lump sum to get into the pension plan. Is it worth it?

I am 21 years old and I have 40K of debt, student loans and car debt. What is the best way to get rid of this debt?

I dont have any credit on my name right now. I would like to buy a home. What is the best way to change this?

I am 60 years old and I just started a new job. After 90 days, the employer will match 3% of a 401k. Should I go with this plan or should I do my own Roth IRA or regular CD?

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources.

Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

For two thousand years, Christians have struggled with a simple yes or no question that has sometimes sparked controversy within the Church. Are believers required to tithe? The question may be simple but the answer most certainly is not. Today on MoneyWise, financial planner and teacher Rob West gives both sides of the argument so you can decide for yourself.

Whichever way you decide, you have to do it for the right reason. If you believe tithing isn’t required but you’re basing that decision on greed then you jeopardize that relationship. On the other hand, if you believe tithing is required but you go about it legalistically, that’s the wrong reason as well. God loves a cheerful giver.

Tithing is simply one-tenth of your income. In the Old Testament, Jews were required to give a tenth of their income or increase to support the temple and its priests. But it didn’t end there. There were also requirements for additional giving.

Those who support tithing will often cite Malachi 3:10Bring the full tithe into the storehouse, that there may be food in my house. And thereby put me to the test, says the Lord of hosts, if I will not open the windows of heaven for you and pour down for you a blessing.Those who believe that tithing is no longer required will cite Romans 6:14,For sin will have no dominion over you, since you are not under law but under grace.

Paul specifically says we’re no longer under the law but under the new covenant of grace. You’d think that’d settle the argument. But those who believe we’re still required to tithe will also cite Genesis 14:20 where Abram gives a tenth of his victory spoils to Melchizedek, who is described as a priest of God most high.

I wonder if maybe God left it undecided on purpose so that each of us would have to make our own decision about tithing. That exercise could reveal our hearts. To be fair, I think most people on both sides of the tithing question know that they should support the church

On today’s program we also answer your questions:

As I approach retirement, what should I do with my 401(k) and Roth IRA? Can you recommend a good investment strategy for me now?

What do you think of online banks?

Should I take from my 401(k) to pay off debt?

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources.

Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that it’s your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

For two thousand years, Christians have struggled with a simple yes or no question that has sometimes sparked controversy within the Church. Are believers required to tithe? The question may be simple but the answer most certainly is not. Today on MoneyWise, financial planner and teacher Rob West gives both sides of the argument so you can decide for yourself.

Whichever way you decide, you have to do it for the right reason. If you believe tithing isnt required but youre basing that decision on greed then you jeopardize that relationship. On the other hand, if you believe tithing is required but you go about it legalistically, thats the wrong reason as well. God loves a cheerful giver.

Tithing is simply one-tenth of your income. In the Old Testament, Jews were required to give a tenth of their income or increase to support the temple and its priests. But it didnt end there. There were also requirements for additional giving.

Those who support tithing will often cite Malachi 3:10Bring the full tithe into the storehouse, that there may be food in my house. And thereby put me to the test, says the Lord of hosts, if I will not open the windows of heaven for you and pour down for you a blessing.Those who believe that tithing is no longer required will cite Romans 6:14,For sin will have no dominion over you, since you are not under law but under grace.

Paul specifically says were no longer under the law but under the new covenant of grace. Youd think thatd settle the argument. But those who believe were still required to tithe will also cite Genesis 14:20 where Abram gives a tenth of his victory spoils to Melchizedek, who is described as a priest of God most high.

I wonder if maybe God left it undecided on purpose so that each of us would have to make our own decision about tithing. That exercise could reveal our hearts. To be fair, I think most people on both sides of the tithing question know that they should support the church

On todays program we also answer your questions:

As I approach retirement, what should I do with my 401(k) and Roth IRA? Can you recommend a good investment strategy for me now?

What do you think of online banks?

Should I take from my 401(k) to pay off debt?

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources.

Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.