Unlock Your Wealth Today

Sam McElroy, Co-Founder of @Financial and @Financial Investments joins Heather Wagenhals on Unlock Your Wealth Radio to discuss the real value of financial planning.

Tune in to find out how you can establish the behavior of not living paycheck to paycheck, but slowly increasing your savings everyday to achieve a sustainable financial future.

66 million Americans have zero dollars in savings!

Sam goes deeper into the topic of financial planning by explaining how one can develop the habit of saving something as small as one dollar a day, that will provide the drive to continue saving more and more everyday thereafter.

"Budget's don't work" ~ Sam McElroy on Unlock Your Wealth Radio

Listen to more on Sam McElroy as he reveals tips on how you can focus more fixed expenses and less on discretionary spending, which can ultimately increase your financial savings and accomplish set goals.

More about this week's guest:

As a Co-Founder and Managing Member of Financial and Financial Investments, Sam has always made every effort to go a step beyond your typical financial advisory firm by utilizing "client focused" discovery, planning, and implementation processes aimed at creating tailored solutions for both businesses and individuals. In addition to traditional planning concepts, Sam has focused on the development of a practical, "natural consequences," based approach to customizing effective solutions on an individual basis.

Contact Sam today:

Office: 312.767.9166

Email: [email protected]

Listen every Monday morning on the Libsyn Platform where you'll find our featured Key for the week from Heather's Keys To Riches™ Financial Wellness Series.

Tune in to this week's Keys to Riches Number Eight: No Seasonal Exceptions as host Heather Wagenhals offers specific financial techniques to help your financial habits become healthy money management skills. 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.

Dr. Joel Wade, Mastering Happiness expert is back on Unlock Your Wealth Radio with Heather Wagenhals to discuss the emotions of oneself and how we can overcome negative emotions and turn them into positive thinking. Tune in to this interview as Dr. Joel Wade offers his expertise to master happiness.

In this interview we hear Heather and Dr. Joel Wade distinction of pleasure and joy and how we can transition through positive thinking and negative emotions

"Happiness is a disciple" ~Dr. Joel Wade

Tune in to find out the one crucial element of personalities, as Dr. Joel Wade describes this quality of life in which determines your success in relationships and other aspects of life.

As we embrace the information obtained in this interview we leave you with one skill you can start to practice today that will empower our emotions immediately, and that is to do something kind for someone else.

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.

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.

Steve Forbes, editor-in-chief of Forbes Magazine and a co-ambassador of FreedomFest stopped by the Unlock Your Wealth Radio booth this past summer at Freedom Fest to meet up with Heather Wagenhals. Tune in to this interview as Mr. Forbes and Heather discuss a few topics on personal finance.

As one of the Founders of Business Today, which is currently the largest student-run magazine in the world, Forbes also writes editorials for each issue of Forbes under the heading of "Fact and Comment." Rightfully so as Forbes is a widely respected economic prognosticator, and the only writer to have won the highly prestigious Crystal Owl Award four times

As a speaker and an ambassador at FreedomFest, we were fortunate to have Forbes stop by our booth for the Money Credit And You book launch and ice cream social as he offered our listeners a few personal finance tips. Particularly, Forbes explained how it is possible to build your own wealth today even with the biggest challenges Americans have when it comes to creating wealth.

Tune in as Steve Forbes shares one piece of personal finance advice for those who are struggling and trying to get back into finding their own wealth and financial future.

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. 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 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.

Gena Lofton, Owner and Founder of Passive Income Advisors, LLC, joins Unlock Your Wealth Radio Heather Wagenhals to discuss the value women have in the business world and how women can empower themselves to find the wealth and financial freedom through Gena's digital education company and their online courses.

Tune in to this interview to as Gena also offers advice to women who are looking to invest or need that extra push of confidence to invest in real estate or businesses that will benefit their financial future. Gena's Corporate Career is expansive, having worked for Jet Propulsion Laboratory, Ernst & Young, and most recently DIRECTV. Over 30m people in the United States and Latin America have used many of the products she influenced such as 4k, NFL Sunday Ticket, DIRECTV's Streaming Products, all hardware since the introduction of High Definition Television to the Genie box.

Gena transformed the linear advertising sales business with the development of a solution to deliver targeted advertising which generated $1b annually. Her guidance transformed the digital business which delivered 50% of all new subscriber growth for the direct sales channel. Needless to say her efforts were instrumental in the transformation and growth of DIRECTV which increased shareholder value from $25/share to $95/share and the sale to ATT for $48.5b+Debt.

In the real estate bracket, Gena currently owns over 2,500 units in 4 States and a resort in Ambergris Caye, Belize. All of her real estate holdings were acquired between 2012 and 2016 after the worst economic crisis since the Great Depression while she simultaneously built and sold DIRECTV. Tune in to this interview as Gena reveals the "secret sauce" to maximize her financial growth.

Whether you are in the low income bracket, middle income bracket or higher up income bracket Gena can help advise you to financial freedom. Learn more on Gena's website, using her modeules and online course.

Tune in to this week's Key Number Five - Take Emotion Out of the Picture as host Heather Wagenhals offers specific financial techniques to help your financial habits become healthy money management skills.

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. 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.

This Week's Key:

Take Emotion Out of the Picture

Key Statement:

I know that I work hard for my money, and feel that I'm entitled to spend the way I want. However, to be truly successful at managing my money, I need to keep my passions in perspective, being excited about making money and conservative when spending it.

Key Affirmation:

I detach from my emotions when managing my personal finances.

Key Commitment:

I commit to leaving my emotions out of my everyday money decisions.

Key Action Item:

When you are feeling overwhelmed with emotion to the point of impulse spending, walk away, take a deep breath, shake it off, and allow yourself to calm down. Then you can be objective and ask yourself this: "Is there a positive financial return on this investment? Is this expenditure going to make me money down the road, or, is this the end of the road for this dollar as I invest it into this material object?"As we start focusing on putting our money where it's going to have a return, this will become easier over time. Good luck and we look forward to having you listen to tomorrow's show!

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 Four: Knowledge is Power, Not Knowing is Powerful.

Atlas Society was an inspirational week this past summer as host of Unlock Your Wealth Radio Heather Wagenhals met with Li Schoolland, victim of Chinese cultural differences during the Cultural Revolution. Heather Wagenhals started off this interview by asking Li "What does freedom mean to you?" And listeners, you will definitely want to turn up the volume to hear what Li Schoolland has to say about her Freedom now, as apposed to back in the 1950s when it was taken away from her and her family when she was a young girl.

Born in the 1950s Li experienced the unimaginable as her wealthy family was financially robbed and vandalized from their personal items. Tune in to hear how Li Schoolland overcame this horrific lifestyle as a young girl and came to America, turning her life around and becoming an inspiration to others.

Li Schooolland is the Founder of TFT Events, an author, columnist, businesswoman, entrepreneur and teacher who is dedicated to helping others find freedom and liberty. In this interview listeners will hear her inspiration, leaving you on the edge of your seats questioning, sympathizing and wanting answers as to why these horrific actions were accepted by the Chinese government and how such a strong individual has made an impact on others freedom.

More about this week's guest:

Li has presided over the longest running series of summer seminars of Austrian economic scholars to teach more than a hundred university students for six years in succession at Northeastern University in Shenyang, China (2010-2015). Next year she is organizing the World Conference on Peace and Entrepreneurship in Marrakesh, Morocco. Li is an author, columnist, businesswoman, entrepreneur, and teacher dedicated to liberty because of her experiences during the Cultural Revolution in China.