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.

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If you are an entrepreneur, you need to have this skill. Chris Harding, Salt Lake County Auditor, and Susan Speirs, the CEO of UACPA, discuss accounting and the changing world of the tax field. It's not just for old, white men without a sense of humor anymore.

What role does A.I. hold in the world of accounting? And -- have you ever thought of Money Camp for your high school kids? Get more info from Susan Speirs HERE.

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Many can't afford to stay 'fashionable' with the high prices of clothing. Fair Allen, apparel technical designer, has tips on how to get what you want for less, and in an ethical manner.

She says it can be as simple as using a capsule wardrobe. Shopping at thrift stores will also feel better on your wallet and keep clothes out of landfills.

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Whether you have streaming services with auto-renewal, or multiple small add-ons to programs, you could be paying a lot more than you realize. Nick Wolny, Managing Editor with CNET, says Spring is a great time to review every subscription you have and get rid of ones you don't use very much or didn't realize the prices increased.

Nick also says it is so much easier to buy things. It only takes a swipe of a phone or a tap of a credit card and it doesn't hurt as much as when you write a check or pay with cash. Not paying close attention to all your swipes and taps can cost you a fortune in a very short time frame.

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All species on earth work to support man through clothing, food and medicines. When they start going extinct we risk our own survival. That's from Lowell Baier, author of "Earth's Emergency Room: Saving Species as the Planet and Politics Get Hotter."

Baier says the loss of habitat through climate change and expansion of commerce due to population growth is the number one reason we are losing animal and plant life. And why the Endangered Species Act is critical to fund.

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Designating a retirement account to go to a Trust after you die will trigger taxation upon death. Attorney Cathleen Gilbert, the owner of Gilbert Law Office, says retirement accounts should be willed to an individual instead. In order to be fully prepared, Cathleen says you should have a will, a trust, a power of attorney and a medical directive to make sure all your wishes are carried out without excessive delays or complications.

Susan Speirs, the CEO of Utah Association of CPAs, explains what a fiduciary is and why it's important to have one when it comes planning for the inevitable -- death and taxes. And do you know how many death certificates you'll need after your loved one passes?

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.

Be sure to email Heather your questions and request topics you'd like her to cover here.