In this episode, I discuss a variety of financial issues that affect students, employed people, and self-employed people. For each group of people, I talk about the types of emotions that can get in the way of making decisions, as well as practical steps to avoid making bad decisions. For students, I talk about student loans and starting a budget. For employed people, I discuss having a family budget, getting fair compensation, and changing career goals. For self-employed people, I talk about balancing business and family responsibilities, making and sticking to a business plan, and confidently establishing fair pricing for your product or service. I conclude with a brief summary of what has been discussed as well as a preview of next month's episode.