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Keys To Riches™ Financial Wellness Series provides financial concepts each week 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 Ten - Remember Real Estate as host Heather Wagenhals offers specific financial techniques to help your financial habits become healthy money management skills.

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.

Key Statement:

Real estate is a tangible investment and, if I apply sound principles when making investment decisions, I can weather any economic storm successfully.

Key Affirmation:

I am a great real estate investor.

Key Commitment:

I commit to financial freedom using real estate.

Key Action Item:

Create a financial snapshot using the four layers of risk to determine how close you are to beginning real estate investment. If you're already there, take that first step and implement what that snapshot taught you about real estate investment and how to get started.

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 Nine: Create Credit.

Personal finance expert and host of Unlock Your Wealth Radio, Heather Wagenhals, offers financial advice to parents on cutting money ties with their children. Tune in on the Libsyn platform as Heather addresses several dynamics parents pave for children and their college education.

In this interview Heather dives into the topic of college graduates and the parents who financially support their degrees. As a parent you must ask yourself, "Will this degree fulfill my child's life? Will my child become financially successful once they have a college education?" Once you have your answer, then go back and strategize with your child on the financial outcome of where their education will take them in life and if it's worth the cost right now.

"87% of all millionaires are college graduates, but not all college graduates are millionaires."

Tune in as Heather opens up the conversation of parents entitling children these days. She highlights the importance of financially educating children and preparing them at a young age to make wise decisions for a successful life.

"My ability to succeed. is based on my ability to command resources from others." ~ Heather Wagenhals

Set your calendar for July 11th - 16th as Heather Wagenhals broadcasts LIVE interviews at the Atlas Society Summer Summit and Freedom Fest 2016!

Use Promo code: FF16Unlock

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

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

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.

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.

Financial decisions for graduates on Unlock Your Wealth Radio with host and personal finance expert Heather Wagenhals. Tune in as Heather reveals what to include in a "graduation survival kit" for high school graduates and how parents can financially survive too!

In this interview Heather reminds listener's who will attend graduation parties, that it's not about what you give, but rather how you give and the thought behind the gift. As students enter college you are entering a new world full of opportunities and money decisions that could affect your future. So start your freshmen year off down the right financial path.

Tune in to this interview as Heather offers DIY graduation gift options and other ways to save you money as a parent or student graduating this year!

Set your calendar for July 11th - 16th as Heather Wagenhals broadcasts LIVE interviews at the Atlas Society Summer Summit and Freedom Fest 2016!

Use Promo code: FF16Unlock

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.

Heather Wagenhals, personal finance expert & and host of Unlock Your Wealth Radio, educates listeners on the topic of auto financing. In this interview you will find out what experts are advising listeners on this common monthly expense as we find out how to handle financial situations when we walk the lot and negotiate during financing of a new or used car.

In this interview listeners will come to the realization that overestimating your personal value is bad for your personal finance. In fact, when buying a car, Heather suggests we remind ourselves of who we really are and the budget you're on, because if you were able to afford the champagne before the car, then you better be able to afford the bubbles after your monthly expense.

"Extended warranties are a waste of money" ~ Heather Wagenhals

Keep in mind, once you land a new job the first thing you might think is, "What car can I buy/ lease", however that is not how you should plan your monthly budget. Tune in this Friday, May 13th at 9AM PST as listeners are reminded their subconsciousness can sometimes overtake their minds during financing of purchasing a car. Tune in to learn how you can turn off the key to your subconscious of believing one will get a crappy car, then one will end up with a crappy/ bad deal.

Set your calendar for July 11th - 16th as Heather Wagenhals broadcasts LIVE interviews at the Atlas Society Summer Summit and Freedom Fest 2016!

Use Promo code: FF16Unlock

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.

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.

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.

Heather Wagenhals, Certified Identity Theft RiskManagement Specialist and host Unlock Your Wealth Radio, welcomeslisteners to this Special Edition interviewas Heather reveals the top Scams and Frauds and howto avoid becoming the next victim. Tune in to this interview onFriday, May 6th, 2016 at 9AM PST on the Libsyn platform as Heatherand producer of Unlock Your Wealth Radio, Michael Terry,create awareness to listeners on the topic of scams and frauds.

In this interview Heather dives into thealarming financial topic to address thedifference between a fraud and a scam and how you can defendyourself from becoming the next victim.

In this interview Heather plays a recording of a taxscam call she recently received. Find out how Heather handledthe situation and what you should do if a scamartist like the one you hear in this recording,tries to make you their next victim. Heather will alsoreveal quick tips and techniques to avoid such scams and frauds andscams.

Find out the latest scams and frauds byvisiting the Money CreditAnd You website, while staying up to date on the latestinformation of Heather's new book Money, Credit And You,How to About Identity Theft, Frauds and Scams, to be releasedJuly of 2016.

Set your calendar for July 11th- 16thas HeatherWagenhals broadcasts LIVE interviewsat theAtlas Society Summer Summitand Freedom Fest 2016!

Use Promocode: FF16Unlock

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.

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 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.

Unlock Your Wealth Radio and host Heather Wagenhals, welcomes back the insightful Dr. Joel Wade, author of Mastering Happiness and life coach as he reveals how listeners can find opportunities right in front of you. that will lead you to success. Tune in to this interview to learn from Dr. Joel Wade on the challenges we face in life and how those challenges can lead to success.

This month Dr. Joel Wade talks to listeners on the topic of opportunities that you make and might not be far from your fingertips. This topic is different from last month when we focused on how to break our habits, as we dive into the changes one can make in life, based on your own actions.

CLICK HERE to sign up for Dr. Joel Wade's A Master's Course in Happiness!

Tune in to this exclusive interview with Mastering Happiness author, Dr. Joel Wade.