Unlock Your Wealth Today

Protect your credit and avoid financial fraud with exclusive advise from Unlock Your Wealth Radio expert Heather Wagenhals. Tune in as Heather dives into your finances, revealing how you can protect your bank statements, personal identity and credit reports using her step by step actions.

In this podcast Heather explains how to actively practice one of the Keys to Riches, Key 12: Practice the Three R's: Review, revise and recommit to protect your credit.

Tune in as Heather reveals what fraudsters are looking for when stealing your credit and identity while sharing more tips about credit monitoring and the benefits of why you should dispute a charge manually.

Tune in every Monday to The Keys To Riches™ Financial Wellness Series is a baker's dozen of financial concepts that teach you how to think like the rich and be in control of your own money.

This week's Key: Create Credit

The Keys To Riches™ featured money key will appear here for the entire week, collecting data from Heather's Keys To Riches™ Financial Wellness Series.

This week's Key Number Nine: Create Credit

Key Statement:

I know that credit is a tool and not a goal for building wealth. I also know that credit is a continuing process and bad credit is not a death sentence.

Key Affirmation:

I am a great steward of my credit.

Key Commitment:

I commit to using my credit to build wealth only.

Key Action Item:

Pull your credit report and review it for inaccuracies.

Tune in every week as Heather Wagenhals, host of Unlock Your Wealth Radio, reveals this week's Key, along with our Key of the Week, Moolah Word of the Day, Money Drama & more! Click HERE to listen to last week's Key Eight: No Seasonal Exceptions.

Real estate investment options explained as details are revealed on Unlock Your Wealth Radio with expert Heather Wagenhals. Tune in as Heather offers financial advice to investors and first time home buyers who are considering their purchasing options.

In this interview Heather reveals how land contracts will benefit your real estate investment options and financial future.

Heather also dives into real estate investment topics that involve purchase agreements. Find out the difference between a lease purchase and a lease option and your legal rights between the two options available when purchasing a property. Tune in to hear more answers on real estate and how much can interest one really earn you every year from owning a property.

Tune in every Monday to The Keys To Riches™ Financial Wellness Series is a baker's dozen of financial concepts that teach you how to think like the rich and be in control of your own money.

This week's Key: No Seasonal Exceptions

Tune in every Monday for the Keys To Riches where you'll find our featured money key for the week from Heather's Keys To Riches™ Financial Wellness Series.

Key Statement:

I know that I am vulnerable when managing my money if I allow seasonal events and special occasions disrupt my savings and spending plan. I acknowledge that to become truly successful with my money, I must be more mindful during holidays and on special occasions because going overboard serves no one, especially not me nor my family.

Key Affirmation:

I am a gracious recipient and thoughtful giver.

Key Commitment:

I commit to using Heather's "Card Up" Assessment formula when determining appropriate gift giving.

Key Action Item:

When giving gifts or remembering or commemorating someone's special occasion, begin with a card and work from there. For annual events and celebrations, sit down and create a plan for saving with your discretionary funds. It is easier and requires less intrusion with your daily dollars when you give yourself 364 days to carry out a sizable savings goal.

These are just some examples of things you can expect and work into your plans. Be creative with you strategy so you can achieve financial independence AND still enjoy the fruits of your labors today.

Tune in every week as Heather Wagenhals, host of Unlock Your Wealth Radio, reveals this week's Key, along with our Key of the Week, Moolah Word of the Day, Money Drama & more! Click HERE to listen to last week's Key Seven: Break the Budget.

Fraudulent tax returns are on the rise and Certified Identity Theft Risk Management Specialist Heather Wagenhals reveals ways to protect yourself from becoming a victim. Tune in to Unlock Your Wealth Radio to learn more about top tax return frauds and scams.

Heather shares a personal story about the time her husband was once a victim of tax return fraud and how they dealt with the situation and steps they use now moving forward as tax payers.

IRS will only notify you of any problems via FIRST CLASS MAIL not by PHONE!

Listen to this week's episode of tax return scams on the popular biology-based financial show, streaming on the Libsyn platform!

Tune in every Monday to The Keys To Riches™ Financial Wellness Series is a baker's dozen of financial concepts that teach you how to think like the rich and be in control of your own money.

This week's Key: Break the Budget

The Keys To Riches™ Financial Wellness Series is a baker's dozen of financial concepts that teach you how to think like the rich and be in control of your own money.

Tune in to this week's Keys to Riches Number Seven: Break the Budget as host Heather Wagenhals offers specific financial techniques to help your financial habits become healthy money management skills.

This week's key is going to finish out our assessment and give us the most realistic picture of what our finances look like. Heather shares her unique way of breaking budgets and bad money habits to create a better more functional way to manage money.

Key Statement:

I know that trying to create and stick to a budget is a losing proposition because it can mean sacrifice and not truly addressing my financial challenges; therefore, to be truly financially independent, I must create and stick to a realistic healthy savings and spending plan.

Key Affirmation:

I have and live by a healthy savings and spending plan.

Key Commitment:

I commit to designing and living by a healthy savings and spending plan that suits me and my family.

Key Action Item:

Categorize your assessment envelope. Analyze your expenditures in each area. Are they what you thought they would be? Pull out your Dreams With Deadlines™ strategy and further evaluate your needs versus wants. Balance them with your goals. Work on your essential wants and figure out how we can reallocate those non-essential wants after we create our savings plan and eliminate our debt so we can begin to take control of our financial future.

These are just some examples of things you can anticipate and work into your plans. Be creative with you strategy so you can achieve financial independence AND still enjoy the fruits of your labors today.

Tune in every week as Heather Wagenhals, host of Unlock Your Wealth Radio, reveals this week's Key, along with our Key of the Week, Moolah Word of the Day, Money Drama & more! Click HERE to listen to last week's Key Six: Hope for the Best, Plan for the Worst.

Mortgages can be a strain on one's relationship and filing the application can start the headaches, so tune in to Unlock Your Wealth Radio as real estate expert Heather Wagenhals reveals mortgage application tips and ways to know up front how to handle your financial future in home ownership.

This week's episode of Unlock Your Wealth Radio as Heather reveals what you should be looking at when considering a mortgage. ]']\Surprisingly it's not about affordability but rather lifestyle that you should look at when calculating a house payment.

If you don't have an emergency fund set up then you're going to screw up, it's not a matter of "if" you screw up, but rather a matter of 'when' you will screw up."

In this interview Heather Wagenhals breaks down mortgage application tips and the required documents when applying for a mortgage.

Finding out a mortgage credit rating can be heavily weighted on ones credit card debt and how one has managed long-term debt. Learn more about what lenders are looking for to qualify you in a mortgage as prepare for your financial future.

Tune in every Monday to The Keys To Riches™ Financial Wellness Series is a baker's dozen of financial concepts that teach you how to think like the rich and be in control of your own money.

This week's Key: Hope for the Best, Plan for the Worst

The Weekly Keys To Riches™ Financial Wellness Series is a baker's dozen of financial concepts that teach you how to think like the rich and be in control of your own money. It also gives you specific techniques to create or fix your credit, eliminate debt, save and invest, building wealth and happiness holistically, all while transforming your current financial habits into healthy money management skills.

Tune in to this week's Key Number Six: Hope for the Best, Plan for the Worst as host Heather Wagenhals offers specific financial techniques to help your financial habits become healthy money management skills.

Key Six: Hope for the Best, Plan for the Worst

Key Statement:

While I remain optimistic about my financial future, I am keenly aware that a catastrophic event may occur me or my family that could materially alter my financial picture, so must be prepared for the unknown.

Key Affirmation:

I am prepared for any financial situation that life may throw at me.

Key Commitment:

I commit to planning for alternative scenarios that may challenge me or my family.

Key Action Item:

Sit down with yourself and significant other, if you have one, and list all of the worst possible outcomes that may beset your family. Things like:

• one or both of you losing your job
• an unexpected pregnancy
• the sudden responsibility of an indigent parent
• injury or accident that may keep you from working
• death of an income producing spouse
• a lawsuit
• a physical or mental limitation in a child or sibling that may require additional care or treatment not covered by insurance

These are just some examples of things you can anticipate and create plans. Having an alternate plan of action is like the insurance policy you pay for and never use.

Tune in every week as Heather Wagenhals, host of Unlock Your Wealth Radio, reveals this week's Key, along with our Key of the Week, Moolah Word of the Day, Money Drama & more! Click HERE to listen to last week's Key Five - Take Emotion Out of the Picture.

Filing an insurance claim can be foreign to many individuals so on this week's Unlock Your Wealth Radio Show, host and personal financial expert Heather Wagenhals offers insurance advice and tips to help individuals file those claims. Tune in to learn more about how to properly file and document an insurance claim.

Unlock Your Wealth Radio airs every Friday at 9AM PST, bringing listeners a unique look to their finances, as this biology-based money management show stresses the importance of money, breaking down segments to help listeners gain control of their financial future. Tune in every Friday for the Moolah Word of the Week, Money Drama & more!

Tune in every Monday to The Keys To Riches™ Financial Wellness Series is a baker's dozen of financial concepts that teach you how to think like the rich and be in control of your own money.

This week's Key: Take Emotion Out of the Picture

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