In this episode, Margaret Wittkopp returns to talk about money and wishful thinking and how, for many people, the future is hinged on winning the lottery, getting that pay raise, earning a promotion, etc.

But for a variety of factors, the future is now and how you manage your finances today paves the way for your American Dream, your financial freedom, tomorrow. From living within your means to having a change in perspective, every bit counts when you are trying to build a life that you could only previously dream of.