Higher education doesn't have to mean ONLY a 4-year expensive college. Troy Runnels, the CFO of My529, says you can put money into a plan which will pay for a trade school educaton, internet usage, housing, internships school supplies and much more.

Susan Speirs, the CEO of Utah Association of CPAs, says the funds you put into a MY529 plan qualify for a Credit on your taxes; and you can roll over any unused funds into a Roth IRA. Also, there are many opportunities available to help pay for your child's education.

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Typically, going into business for yourself reduces your tax-burden. That's from Liz Steblay the author of "Succeeding as a Solopreneur" who says you will probably need to pull in about $110k as your own boss to break even on taxes from working for someone else.

Liz is also the CEO of PICA (Professional Independent Contractors of America). She says empowerment is a great benefit to going out on your own. But it will also be the hardest you ever do in your life as Fear, Uncertainty and Doubt (the FUD monster) can take you down at any time. HACK -- be confident and charge what you are worth.

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Not having a financial strategy can stress you out even more than without a plan. James Alexander, CFP with Edge Financial Advisors, says imagine driving somewhere unknown without a GPS or a road map or knowing anything about your car. When you draw a map for your money, you will feel much safer financially. What stage of your life should you hire a financial advisor?

James says taking control, even in small ways, of what you do with your money takes weight of your mind and is emotionally uplifting. You can hear more of his philosophy on Ed's Edge Podcast, where he is a co-host.

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You could be limiting your ability for interviews by the language used on your resume.
Cassie Whitlock, the Chief People Officer at Diversify, says companies are shifting toward skill based hiring vs pedigree educations. Both employers and employees need to be aware of their brand, and what are you trying to accomplish in your job search / job description.

Susan Speirs, the CEO of Utah Association of CPAs, says it's important to understand what DEI really means:
Diversity = skills & background, gender identity, age, race, culture, etc.
Equity = everyone has the tools they need to complete the same job, no matter the impediments (too short, too tall, scocio-economic, etc).
Inclusion = you are part of the team, your input matters.

You can use free websites to run job description postings and resumes through in order to edit out some potientionally off-putting language.

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After several years of not having to pay student loans - or no interest added to them - everyone is back to paying their full payments. Brian Walsh, the head of advice and planning with SoFi, says a SAVE student loan program may be the way forward. But there have been changes.

1. Currently, if you missed a student loan payment during the first year, it wouldn't be reported to a credit bureau. That is now going away.
2. The percentage of your discretionary income used to calculate your monthly payments is changing -- but currently is facing a court fight.

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How do you know if something "sounds too good to be real?" That's the question Nico Pesci, the founder and CEO of Momemtum Wealth, details in this episode. He says seniors are targeted in all sorts of scams because they typically have more money to lose than younger generations.

Nico also explains what signs you should look for if your loved ones are getting scammed. And who is doing the scamming? HACK: Do your homework on what the average 'return on investment' is and verify investment people through FINRA or Broker Check.

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Over half of all Americans say they don't have enough money to either retire, or survive, in retirement. Indira Venkat, Senior Vice-President at with AARP says "its never too early and never too late to start saving." She says 57-Million workers don't have any type of retirement programs through their place of employment.

You can find help at: aarp.org/tools or thisispretirement.org

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The war zones may be far away from the United States but many accountants are in the center of action. Valerie Bushell, corporate controller for BlueWind Medical, and Susan Speirs the CEO of Utah Association of CPAs say accountants may be deployed as part of the Armed Forces or work for companies who are based in war-torn countries.

They also discuss how they help refugees who come to the U.S. for political asylum or to escape the ravages of war.

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.

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