Unlock Your Wealth Today

Mastering Happiness author Dr. Joel Wade joins Heather Wagenhals, host of Unlock Your Wealth Radio to discuss money and happiness. Tune in as Dr. Joel Wade reminds listeners to not make the mistake in life of not dreaming big enough when your life would be more fulfilled with bigger aspirations, but also don't make the mistake of setting unrealistic goals. Dr. Wade encourages listeners to find their "sweet spot" and what fits for you.

"It's not a matter of I win and you lose with money,because that doesn't work with money and that doesn't work with happiness ."~Dr. Joel Wade

People can feel embarrassed if they have too much money and apologetic to others for having such a great life. In this interview Dr. Joel Wade reveals ways money can bring you happiness and not to feel bad about the wealth you have earned and deserve.

Tune in as Dr. Joel Wade reveals his Masters Course in Happiness and the necessary steps you need to take to achieve happiness for yourself.

Special Announcement:Heather Wagenhals will be speaking atAltas Shrugged and Freedom Fest 2016!Come to Las Vegas and see Heather broadcasting LIVE interviews! Keys to Riches Podcast is LIVE!Visit KeysToRiches.com to beginlistening to this week's Key Show!

This week’s key trivia is based on last week’s Key: Break The Budget

Learn more about this week’s Key: No Seasonal Exceptions

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 Eight: No Seasonal Exceptions 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 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.

Kerry Lutz, host of the Financial Survival Network and financial expert joins Heather Wagenhals, host of Unlock Your Wealth Radio talking about the oil industry and which investments are best for your money. Tune in as the dynamic duo offer their financial expertise. After the 2008 financial collapse and the continued global economic deterioration, Kerry Lutz realized people needed a reliable source for accurate information. Believing that inflation would eventually run rampant, he dedicated himself to helping people protect and preserve their wealth. He urged investors to re-balance their investment portfolios and to implement precious metals based strategies to adapt to the new economic order. The ability to perceive economic reality, as well as to separate truth from governmental inspired economic fantasy will be essential for economic survival and prosperity in the years ahead. In this interview Kerry Lutz reveals his financial thoughts on the oil industry, providing support to his theory of why 9/11 occurred. Tune in to this interview as Heather and Kerry discuss the oil market and how the industry of real estate is being destroyed by the oil production. Also, find out where you should be investing your money as people continue to move their finances out of the stock market. Special Announcement: Heather Wagenhals will be speaking at Altas Shrugged and Freedom Fest 2016! Come to Las Vegas and see Heather & Kerry broadcasting LIVE interviews! Keys to Riches Podcast is LIVE!Visit KeysToRiches.com to beginlistening to this week's Key Show!

This week’s key trivia is based on last week’s Key: Hope For the Best, Plan for the Worst

Learn more about this week’s Key: Break The Budget

More about Kerry Lutz:

Kerry has been a student of Austrian Economics since 1977. While attending Pace University, he stumbled upon an extensive cache of Austrian Economic Literature in a dark, musty, abandoned section of the school’s library. After graduating from The New York Law School, he became an attorney and life long serial entrepreneur. His diverse career has included: running a legal printing company, practicing commercial law and litigation and founding a successful distressed asset investment company.

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.

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 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.

Naresh Vissa, digital economic expert and author of the number one bestselling book, FIFTY SHADES OF MARKETING: Whip Your Business Into Shape & Dominate Your Competition joins Heather Wagenhals, host of Unlock Your Wealth Radio. Tune in as Naresh reveals if automation and out-sourcement is a good or bad thing for your money. In this interview Naresh will provide listeners with a snippet into the digital economy, revealing the benefits and how a regular worker can start freelancing and make that their career. Find out the best platforms for your business and how beneficial these digital services are to help grow your business. Author of the #1 bestselling PODCASTNOMICS: The Book of Podcasting... To Make You Millions and Founder & CEO of Krish Media & Marketing (www.krishmediamarketing.com), Naresh will share great insight to this topic of digital economy and where to focus your business and money in this day of age.

Keys to Riches Podcast is LIVE!Visit KeysToRiches.com to beginlistening to this week's Key Show!

This week’s key trivia is based on last week’s Key: Take Emotion Out of The Picture

Learn more about this week’s Key: Hope For the Best, Plan for the Worst

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.

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:

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.

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.

Ray Ream, Owner of Cottonwood Associates joins Heather Wagenhals, host of Unlock Your Wealth Radio, revealing loans and debt options to better you (and your significant others) financial future. Tune in as Ray provides tips on how couples can tackle student debt together and other money issues they should discuss before saying “I do.” In a recent survey, nearly half of people (44%, according to a National Foundation for Credit Counseling) said they either wouldn’t get married until their partner’s debt was paid off, or they would end the relationship all together. Another 10% of people said they would get married but not help their partner pay their debts. Find out if the debt you bring into a marriage is yours solely, or if you can divide this financial responsibility with your spouse. Listen in as Ray goes even further discussing who is responsible with that debt during a divorce, and how these financial responsibilities differ depending upon where you live in the US. Tune in as Ray breaks down debt options and how you can negotiate a lower interest rate with credit card companies, while he also offers advice on how to prioritize your debt payoffs. Keys to Riches Podcast is LIVE!Visit KeysToRiches.com to beginlistening to this week's Key Show!

This week’s key trivia is based on last week’s Key: Knowledge is Power, Not Knowing is Powerful

Learn more about this week’s Key: Take Emotion Out of The Picture

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 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.

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:

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

Nahum Daniels, Certified Financial Planner practitioner joins Heather Wagenhals, host of Unlock Your Wealth Radio to discuss the major financial changes in 2016. Tune in to this interview as Nahum brings a comprehensive approach to the full range of tax, insurance, estate and asset preservation issues facing you today.

Offering advanced expertise in multi-generational IRA distribution and Roth conversions Nahum identifies charitable and other planning opportunities to transfer wealth gift- and estate-tax free while bringing a fully-informed approach to dynastic trust design, situs selection and tax-advantaged funding.

4 major changes that will effect your savings today and your retirement tomorrow.

Major financial changes in 2016 include the following topics:

1. FAFSA

2. myRA

3. Social Security Suspensions

4. Restricted Social Security Applications

Tune in to learn more about the financial changes in 2016 that could affect you and your family.

Keys to Riches Podcast is LIVE!Visit KeysToRiches.com to beginlistening to this week's Key Show!

This week’s key trivia is based on last week’s Key: Dreams with Deadlines

Learn more about this week’s Key: Knowledge is Power, Not Knowing is Powerful

Tune in to this week's featured Key Four: Knowledge is Power, Not Knowing is Powerful 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 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 the Keys To Riches every Monday on the Libsyn Platform.

Key Statement:

I know that I don't have to know everything about money; I just have to address the five areas of concern I don't know by either educating myself or delegating to professionals.

Key Affirmation:

I am great at assessing my strengths and delegating my weaknesses.

Key Commitment:

I commit to addressing my five areas of concern and working on each category to create wealth and happiness for me and my family.

Key Action Item:

Sit down and assess your strengths and weaknesses according to our Knowledge Checklist. Then decide how much you desire to learn about each of your weaker categories and delegate the rest to professionals. Remember you must acquire a minimum foundation in each category before delegating to a professional so you aren't swindled out of your hard-earned money.

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 Keys To Riches Dreams with Deadlines.