Relationships are built stronger when couples money is fully disclosed and financial secrets are minimized.  Tune in this week to Unlock Your Wealth Radio as we re-air Christopher Dukes, President and owner of Dukes Wealth Management Inc. DBA Dukes Financial and Insurance Services who consults listeners with host Heather Wagenhals. Tune in this as the two finance experts discuss money awareness topics about relationships.

In this interview Mr. Dukes helps couples break down their financial commitments in a relationship by explaining to listeners how each partner plays a key role. Tune in to find our which role you play in your relationship and how you and your partner can strengthen each other with these financial roles and obligations.

Financial concepts and habits can be learned with help from Heather Wagenhals, host and personal finance expert of the 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.

Financial concepts and habits can be learned with help from Heather Wagenhals, host and personal finance expert of the Keys To Riches™ Financial Wellness Series.

Listen every Monday morningon the Libsyn Platform where you’ll find our featured Key for the week. Tune in to this week's Keys to Riches Number Eight: No Seasonal Exceptions as host Heather Wagenhalsoffers 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.

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Certified financial planner and co-founder of Blooom, Chris Costello, addresses an epidemic problem between money and young-minded individuals with Heather Wagenhals, personal finance expert and the executive producer of the UnlockYourWealthRadio.com.

"Think of us as the Navy SEALs of 401ks – nobody gets left behind. Nobody." ~Blooom

As a registered investment advisor, Chris has managed over $500 million for clients in and around the retirement age. Chris continues to build his portfolio, and wealth for clients, as a certified financial planner. Tune in to hear more from Chris and his expertise on building actual models used to generate 401k recommendations.

"We Manage Your 401k - you ditch your current strategy of ignoring-it, meaning-to-get-around-to-it,

and hoping-for-the-best." ~Blooom

The Unlock Your Wealth Radio, a personal finance radio show specializing in a unique brand of financial literacy, airs every Friday morning at 9AM PST on the Libsyn platform http://UnlockYourWealthRadio.com. This week Heather and Chris Costello offer their financial expertise to young-minded entrepreneurs while Chris share's his advice on how Blooom can help analyze current 401k's for clients, recommending correct allocations.

Break the Budget is this week's money key on The Keys To Riches™ Financial Wellness Series, which 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 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.

Break the Budget is this week's money key on The Keys To Riches™ Financial Wellness Series, which 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 Wagenhalsoffers specific financial techniques to help your financial habits become healthy money management skills.Listen every Monday morningon 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.

Kathy Kolbe, Master of the Financial MO joins Heather Wagenhals to share how knowing your "M.O" is the way to master your wealth.

Tune in as Kathy Kolbe reveals the 4 basic actions/instinctive methods we use that can help all individuals find solutions that will solve their problems, whether it be with money, self or relationships.

Find out what thousands of other listeners already learned--- how to manage money easier, in less time reducing money stress and choosing to create wealth and happiness with Heather's proven strategies right here.

Listen every Friday at 9AM PST to learn how to manage money easier, in less time reducing money stress and choosing to create wealth and happiness with Heather’s proven strategies right here http://UnlockYourWealthRadio.comTune in to this week's Keys To Riches HERE!

Mike Galley of WRNJ welcomes Certified Identity Theft Risk Management Specialist Heather Wagenhals to warn listeners of smart appliances eavesdropping on your personal identity in places you had no idea were possible. 

Tune in to this interview as Heather shocks listeners by revealing ways your phone, Amazon Echo and other electronic devices are spying on you and stealing your identity through smart appliances.  

For more information on Identity Theft, Frauds and Scams go to www.MoneyCreditandYou.com.

Mike Galley of WRNJ welcomes Certified IdentityTheftRisk Management SpecialistHeather Wagenhals to warn listeners of smart appliances eavesdropping on your personal identity in places you had no idea were possible. 

Tune in to this interview as Heather shocks listeners by revealing ways your phone, Amazon Echo and other electronic devices are spying on you and stealing your identity through smart appliances.  

In this interview we find out how to avoid these electronic devices and how you can better protect your identity the next time you make a phone call or open your refrigerator door! 

For more information on Identity Theft, Frauds and Scams go to www.MoneyCreditandYou.com.