Money expert and Money Guru for CTV’s The Social and author of the book ‘HAPPY GO MONEY’ Spend smart, save right + enjoy life, Melissa Leong is here today to help us all feel more at ease when it comes to our finances and the future.

How should we be spending and saving our money at this stage of life?  What if we've never saved until now?  What's the rule about how much we should be putting away and how does that change based off our age?  Should husbands and wives have separate finances and what happens if one person works and the other stays home with the kids?

Melissa also lets us is on what happy people spend 40 % of their money on.  You guys are going to love her, I promise! 

Follow Melissa on Instagram: @lisleong

Find all her resources on her website:  www.melissaleong.com