Dr. Brad Klontz, of Your Mental Wealth Advisors and author of Mind Over Money, explains how your thoughts about money -- spending, savings, etc -- are hardwired into your brain from a young age.

But you can learn good behaviors and unlearn bad ones.  And you don't have to pay a financial advisor to be 'money wise.'  Dr. Klontz says, it can be as simple as confiding in a trusted friend.

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