Podcast appearances and mentions of heather wagenhals

Selling real estate comes with a few well-known options, but none of them are perfect. Take the 1031 exchange: you have just 45 days to identify a property and 180 days to close. The financing has to line up, and you're stuck with contingencies that can cut your buyer pool in half. No wonder 60% of 1031 exchanges end up paying some or all the taxes anyway. Your next option? Just pay the tax. Depending on your state, that could mean losing 30% or more of your sale proceeds—money that's gone forever. Another option often promoted is the DST. Sounds good on the surface, but when you peel back the layers, you'll find heavy commissions—sometimes 12 to 16%—and steep fees. Add in strict rules on how you can exit, and in the end, the net return to you is often only about 5%. That just doesn't work for most investors. And while there are plenty of other programs being pitched, most don't pass the IRS's three required tests for tax deferral. At Q companies, they've done the due diligence—almost all of them fail at least one, and many fail all three. In an audit, that means you lose.   But there is a simpler way.   And the IRS already recognizes and even provides a publication for—Publication 537. It's called an Installment Sale Trust (IST). The documents to set it up are straightforward, about 11 pages, and it's direct, easy, and more critical, it's compliant.   That's why we're hosting a Virtual Financial Summit. We'll walk you through all of these options—the 1031 exchange, paying the tax, DSTs, and others—so you can see the benefits and drawbacks for yourself. Most importantly, we'll show you how the IST can help you potentially reach a zero-tax bracket.   Comment ZERO TAX to learn how to better manage your real estate investments. I'm Heather Wagenhals showing you how to mitigate taxes, now go out and Unlock Your Wealth today.   Visit UnlockYourWealth.com for more great resources, tools, and strategies to overcome your personal and professional challenges to get out of debt, achieve financial freedom and live life on your terms today!

Tech Roars, the Fed Waits Weekend Wisdom – Unlock Your Wealth with Heather Wagenhals   Markets ended the week with a familiar split: big tech led the charge while broader sectors lagged behind. The S&P 500 and Nasdaq posted gains, thanks in large part to Nvidia's explosive earnings beat and bullish AI outlook. Meanwhile, investors parsed Fed minutes and adjusted expectations around upcoming rate cuts.   In this Weekend Wisdom episode, Heather Wagenhals breaks down the week's key moves—including a closer look at Nvidia's influence, market breadth concerns, and what narrowing leadership means for smart investors. She also previews next week's crucial PCE inflation report, a short trading week due to Memorial Day, and the earnings reports that could shape sentiment heading into June.   Subscribe now and prepare your mindset before Monday.   Transcript:   From Fed Calm to Tech Triumph: Keeping Your Strategy on Track   This week brought a mix of cautious optimism and steady hands as investors weighed new data on consumer spending alongside subdued inflation updates. Markets appeared comfortable with the possibility of the Federal Reserve holding rates steady at upcoming meetings, boosting the broad sentiment.   “Welcome back, WealthBuilders—and those On Schedule to be a Millionaire. I'm Heather Wagenhals, and this is your Unlock Your Wealth Weekend Wisdom for Monday, May 19 through Friday, May 23, 2025.     Equity benchmarks rounded the week higher, bolstered by a blend of consumer spending data and favorable tech earnings. The Dow Jones rose nearly 0.9%, the S&P 500 gained around 1.2%, and the Nasdaq added roughly 1.4%—with tech stocks getting an extra push from upbeat forward guidance on AI and cloud services. Meanwhile, oil prices inched up to settle near $72 per barrel on resilient demand expectations, while gold dipped slightly after a calmer inflation read triggered less safe-haven buying. Bitcoin hovered around $32,000, suggesting a level of stability despite recent regulatory headlines. All eyes remained on the Federal Reserve's language surrounding interest rates, which hinted at a hold for now, calming some investor nerves. My Take     A cautiously positive tone seemed to define this week, illustrating how investor confidence can strengthen when there's some consensus about the Fed's next move. Fears of a rate hike took a backseat, and that breathing room gave growth-oriented sectors—especially tech—the momentum to climb. But remember, in investing as in life, clarity on policy doesn't eliminate risk; it simply shifts it. Keep your focus on fundamentals, diversify appropriately, and avoid chasing short-term market excitement.   What's Coming Up     Next week, be on the lookout for new housing data, which could provide additional clues about consumer resilience in a higher-rate environment. A handful of key earnings reports from retail giants will also shine a light on shifting consumer sentiment and spending patterns. On the economic calendar, jobless claims and a fresh consumer confidence reading may refine the market's outlook on whether the Fed truly stands pat at its next meeting. Stay poised for market swings as investors digest these signals and adjust portfolios accordingly.   Closing     Money Mantra (repeat in voice + show text): “I'm a strategic thinker with a clear financial plan and the commitment to see it through. Every smart choice I make today brings me one step closer to the life I desire.”   “That's your Unlock Your Wealth Weekend Wisdom. I'm Heather Wagenhals… Where we unpack the week's meaning, align your mindset for what's ahead, and build a strategy that lasts. Until next time, take deliberate action—and go out and Unlock Your Wealth today.”  

Inflation Anticipation Freezes the Market   [Morning Market Mindset – Tuesday, May 13, 2025]   Markets are idling this morning as traders wait for tomorrow's inflation report — the Consumer Price Index — to set the tone for what's next.   Welcome back, WealthBuilders — and those on schedule to be a millionaire. I'm Heather Wagenhals, and this is your Morning Market Mindset for Tuesday, May 13th.   Market Snapshot U.S. stock futures are flat to slightly higher:   S&P 500 futures up just 0.1% Nasdaq futures showing mild strength, up 0.2% Dow futures hovering near the flatline     Investors appear cautious — the kind of stillness that comes before a potentially big move.   Earnings Watch Home Depot is the headliner this morning. The retail giant posted better-than-expected earnings despite weaker year-over-year sales, thanks to cost control and professional contractor demand. That's giving a read on both the housing market and consumer confidence. Coming up this week: Walmart, Target, and Cisco.   Economic Focus All eyes are on the April CPI release tomorrow. This is the Fed's preferred inflation barometer right now, especially as rate cut expectations remain volatile. A softer-than-expected number could reignite dovish hopes — while a hot print may squash them quickly.   Commodities & Global Markets   Crude oil is up nearly 1%, with WTI back above $79 a barrel on signs of tighter supply Gold is steady near $2,340 Bitcoin is consolidating around $62,000 as crypto traders also brace for CPI volatility     Interpretation Right now, we're in a classic holding pattern — markets are respecting the gravity of inflation data. This calm may be short-lived. Traders are positioning cautiously, not wanting to be caught on the wrong side of tomorrow's move. Whether you're long or in cash, today's mindset is all about preparing for opportunity — not guessing the print.   Money Mantra I'm a strategic thinker with a clear financial plan and the commitment to see it through. Every smart choice I make today brings me one step closer to the life I desire.   That's it for this morning. This has been your Unlock Your Wealth Morning Market Mindset, I'm Heather Wagenhals.   Where we interpret the markets calmly and clearly, so you can make smart financial choices, build wealth strategically, and live on purpose.   Until next time, take deliberate action, and go out and Unlock Your Wealth, today.   Like, folloow, subscribe UnlockYourWealth.com

Markets opened the week cautiously as investors await this Wednesday's all-important CPI report — a key data point that could shape the Fed's rate path. In today's Morning Market Mindset, Heather Wagenhals breaks down the pre-market moves in stocks, upcoming earnings from retail giants like Home Depot and Walmart, and what to watch in global commodities. She also shares a focused perspective on why sticking to your plan matters more than short-term market noise.   Tune in to Morning Market Mindset – Monday, May 12, 2025.   Subscribe and share the show to stay ahead of the financial curve with Unlock Your Wealth Today and Heather Wagenhals.

Jobs Jolt and Fed Fizzles: What's Next for Markets? Morning Market Mindset – Monday, May 5   The week kicks off with a pullback in the S&P 500 as markets react to a new wave of global trade tensions. Heather Wagenhals breaks down what's behind the sudden dip, including another round of tariffs from former President Trump, the aftermath of Friday's weak jobs report, and how traders are adjusting their expectations for the Fed.   She also unpacks the latest moves in oil, gold, Bitcoin, and what to watch as earnings continue with Disney, Uber, and Arm on deck. Don't miss this morning's mindset reset — calm, clear, and financially focused.   This is your Morning Market Mindset for Monday, May 5 — with Heather Wagenhals. Subscribe, share, and stay tuned daily to Unlock Your Wealth.

Markets Rally as Jobs Data and Trade Hopes Fuel Optimism   In today's Unlock Your Wealth Morning Market Mindset, Heather Wagenhals discusses the market's positive response to April's strong jobs report and potential U.S.-China trade negotiations. With the S&P 500 aiming for its longest winning streak since 2004, and tech giants like Meta and Microsoft reporting robust earnings, investor sentiment is buoyant. However, warnings from Apple and Amazon about tariff impacts serve as a reminder to stay informed and strategic. Tune in for insights to navigate today's market landscape.

The economy contracted, but tech stocks are soaring — what's really going on in the markets? In this episode of Morning Market Mindset, financial strategist and behavioral wealth expert Heather Wagenhals unpacks the disconnect between shrinking GDP and rising stock futures. You'll learn: Why Microsoft and Meta are powering market optimism What today's economic data says about consumer strength How to read mixed market signals without emotional reactivity The mindset shift successful investors use during volatility Plus, Heather shares today's Money Mantra to help you stay grounded and focused as you navigate market complexity with calm and clarity. This is not financial hype — it's practical, proven perspective to help you build wealth one smart decision at a time. Subscribe for daily insights, market interpretation, and high-performance investor mindset training.

How To Avoid This Mortgage Rate Mistake   Unlock Your Wealth Starring Heather Wagenhals   On today's episode, Matt Nye of Infinite Wealth Builder returns to reveal this mortgage rate mistake most people don't know they're making.   You'll Learn:   Why is interest rate calculation important?   What impact this has on your profit when selling   What you can do to beat this mortgage rate mistake.   And, so much more...   Visit UnlockMyWealth.com for details and Matt's free ebook.   Grab your FREE Unlock Your Wealth 20th Anniversary subscription to Read It For Me and a complimentary discovery call with Heather right here .   That's right, have Heather coach you on solving your biggest personal or professional challenge right now AND get access to the the #1 book summary service for executives and entrepreneurs (regularly $299/year), and MicroCourses, the #1leadership and soft skill training program for executives and entrepreneurs (regularly $499/year) by visiting the website here.   If you are experiencing financial challenges this year, DM Heather in IG or FB @unlockyourwealth for a complimentary discovery session to explore a new path for you financially.     Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you!   DM Heather on IG/FB @UnlockYourWealth to claim your FREE Affordability checklist to assess your finances and create your plan for homeownership/real estate investment.     Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Grab Heather's 9-page Financial Fire Escape Plan Checklist© for free by visiting CrackingYourMoneyCode.com   Learn More with Resource Links:   Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/   You can DM the show and directly ask questions!     Also Check Out:   MoneyCreditAndYou.com UnlockYourWealth.com     Matt Nye Links:   InfiniteWealthBuilder.com

  Unlock Your Wealth Starring Heather Wagenhals   On today's episode, Rich Checkan of AssetStrategies.com returns for Season 20 to discuss the state of the economy, inflation, and how to fight it with your wallet.   You'll Learn:     Is the gold inflation relationship irreparably broken?   What impact inflation has right now   Is gold a good buy now?   How to invest effectively   And, so much more...   Grab your FREE Unlock Your Wealth 20th Anniversary subscription to Read It For Me and a complimentary discovery call with Heather right here .   That's right, have Heather coach you on solving your biggest personal or professional challenge right now AND get access to the the #1 book summary service for executives and entrepreneurs (regularly $299/year), and MicroCourses, the #1leadership and soft skill training program for executives and entrepreneurs (regularly $499/year) by visiting the website here.   If you are experiencing financial challenges this year, DM Heather in IG or FB @unlockyourwealth for a complimentary discovery session to explore a new path for you financially.     Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you!   DM Heather on IG/FB @UnlockYourWealth to claim your FREE Affordability checklist to assess your finances and create your plan for homeownership/real estate investment.     Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Grab Heather's 9-page Financial Fire Escape Plan Checklist© for free by visiting CrackingYourMoneyCode.com   Learn More with Resource Links:   Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/   You can DM the show and directly ask questions!     Also Check Out:   MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com   Rich Checkan Links:   AssetStrategies.com

GUEST 1 OVERVIEW: Kristin Reichey is a long time Manasquan resident and co founder of local activist group Save Our Tails NJ, East Coast United, 501 c4 pending. GUEST 2 OVERVIEW: Melissa Henson, vice president, Parents Television and Media Council.

Heather Wagenhals interviews Tax authority and America's Funniest Tax Guy Ed Lyon from Excel Empire on today's season kickoff episode.   You'll Learn:   What options are available for you this tax season   Why entrepreneurs must pay attention to entities and taxes   National Financial Literacy Month   And, so much more...       If you are experiencing financial challenges this year, DM Heather in IG or FB @unlockyourwealth for a complimentary discovery session to explore a new path for you financially.     Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you!   DM Heather on IG/FB @UnlockYourWealth to claim your free Affordability checklist to assess your finances and create your plan for homeownership/real estate investment.     Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Grab Heather's 9-page Financial Fire Escape Plan Checklist© for free by visiting CrackingYourMoneyCode.com   Learn More with Resource Links:   Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/   You can DM the show and directly ask questions!     Also Check Out:   MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com   Ed Lyon Links:   ExcelEmpire.com  

Unlock Your Wealth Starring Heather Wagenhals   On today's episode, Heather Wagenhals shares her thoughts during the last minute holiday shopping rush for the ultimate gift giving idea. You'll Learn:   Why this gift has such tremendous value How it may be the toughest gift for you to give What it means to receive a gift of this nature And, so much more...       If you are experiencing financial challenges this year, DM Heather in IG or FB @unlockyourwealth for a complimentary discovery session to explore a new path for you financially.     Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you!   DM Heather on IG/FB @UnlockYourWealth to claim your free Affordability checklist to assess your finances and create your plan for homeownership/real estate investment.     Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Grab Heather's 9-page Financial Fire Escape Plan Checklist© for free by visiting CrackingYourMoneyCode.com   Learn More with Resource Links:   Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/   You can DM the show and directly ask questions!     Also Check Out:   MoneyCreditAndYou.com   FreedomFest.com

Welcome to today's #WednesdayWisdom from Way of The Renaissance Man Starring Jim Woods.   Today's insight was inspired by an American statesman, diplomat, Founding Father and the fourth president of the United States, James Madison Jr..   “If tyranny and oppression come to this land, it will be in the guise of fighting a foreign enemy.” –James Madison   I think it's important, especially today, to remember Madison's warning. Whatever battles we fight around the globe, we cannot let those battles destroy our freedom.   Jim Woods October 19, 2022   For more great resources and inspiration visit WayOfTheRenaissanceMan.com   WayOfTheRenaissanceMan.com/store for Way of the Renaissance Man Fans is open. Grab your stylish t-shirt, gear, stickers and Way of the Renaissance Man art, too! Just visit the website now! Now, we want to hear from you! Would like to share your opinion or make a comment on the Way of the Renaissance Man podcast? If so, then please leave your comment or questions in the space provided below and share this article with your friends and family on Facebook, Instagram and Twitter. Your comments or question could be chosen as our featured Ask the Renaissance Man Anything on a future episode.   For more great resources and inspiration visit WayOfTheRenaissanceMan.com

Q3 Stock Market Rollercoasters and Q4 Projections Featuring Top Market Analyst Jim Woods   Unlock Your Wealth Starring Heather Wagenhals   On today's episode, Jim Woods returns for Season 18's kickoff and to discuss the state of the investment markets.   You'll Learn:   What surprises investors saw this summer..   What the numbers did for Q3 and what that means for your money.   What are Jim's "Three Keys to a Market Bottom" and why it matters.   Jim's Q4 outlook moving forward...   And so much more!   If you are experiencing financial challenges this year, DM Heather in IG or FB @unlockyourwealth for a complimentary discovery session to explore a new path for you financially.     Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you!   DM Heather on IG/FB @UnlockYourWealth to claim your free Affordability checklist to assess your finances and create your plan for homeownership/real estate investment.     Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Grab Heather's 9-page Financial Fire Escape Plan Checklist© for free by visiting CrackingYourMoneyCode.com   Learn More with Resource Links:   Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/   You can DM the show and directly ask questions!     Also Check Out:   MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com   Jim Woods Links:   JimWoodsInvesting.com   Bullseye Stock Trader   Eagle Eye Opener   Fast Money Alert   WayOfTheRenaissanceMan.com

International Real Estate Investment Secrets Featuring Michael Cobb Unlock Your Wealth Starring Heather Wagenhals   On today's episode, International Real Estate Investing Authority Michael Cobb joins Heather Wagenhals for her first ever discussion about real estate investing basics when buying overseas.     You'll Learn:   Why you should consider international real estate as an investment Where are the best places to find quality investments What to look out for when investing overseas And much more     Download your FREE International Real Estate Investing Guide Dedicated UYW Link to Download…   https://UnlockYourWealth.com/ECI   Email Michael direct : UnlockYourWealth@ECIDevelopment.com     If you are experiencing financial challenges this year, DM Heather in IG or FB @unlockyourwealth for a complimentary discovery session to explore a new path for you financially.     Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you!   DM Heather on IG/FB @UnlockYourWealth to claim your free Affordability checklist to assess your finances and create your plan for homeownership/real estate investment.     Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Grab Heather's 9-page Financial Fire Escape Plan Checklist© for free by visiting CrackingYourMoneyCode.com   Learn More with Resource Links:   Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/   You can DM the show and directly ask questions!   Also Check Out:   MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com

Unlock Your Wealth Starring Heather Wagenhals   On today's episode, Jim Woods returns for Season 17 to discuss the state of the investment markets.   You'll Learn:   What sectors took the largest hit this year.   Which one was the worst and which ones held up.   What the numbers did for Q2 and what that means for your money.   What are Jim's "Three Keys to a Market Bottom" and why it matters.   Jim's optimism moving forward...   And so much more!   If you are experiencing financial challenges this year, DM Heather in IG or FB @unlockyourwealth for a complimentary discovery session to explore a new path for you financially.     Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you!   DM Heather on IG/FB @UnlockYourWealth to claim your free Affordability checklist to assess your finances and create your plan for homeownership/real estate investment.     Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Grab Heather's 9-page Financial Fire Escape Plan Checklist© for free by visiting CrackingYourMoneyCode.com   Learn More with Resource Links:   Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/   You can DM the show and directly ask questions!     Also Check Out:   MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com   Jim Woods Links:   JimWoodsInvesting.com   Bullseye Stock Trader   Eagle Eye Opener   Fast Money Alert   WayOfTheRenaissanceMan.com

Motorcycles, International Intrigue, and Investing Featuring Jim Rogers   Unlock Your Wealth Starring Heather Wagenhals   On today's episode, American investor and financial commentator Jim Rogers joins Unlock Your Wealth from Singapore to discuss his Guinness World Records as an international adventurer, his best-selling books and investing.   You'll Learn:   How he came up with the idea of seeing the world on motorcycles   What it was like seeing the world from two wheels   What black markets tell you about a country's economic picture   How to spot an emerging market investment opportunity   FreedomFest and why you need to attend the Global Financial Summit as an investor   And so much more!   If you are experiencing financial challenges this year, DM Heather in IG or FB @unlockyourwealth for a complimentary discovery session to explore a new path for you financially.     Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn said you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you!   DM Heather on IG/FB @UnlockYourWealth to claim your free Affordability checklist to assess your finances and create your plan for homeownership/real estate investment.     Welcome to our sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme   Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Grab Heather's 9-page Financial Fire Escape Plan Checklist© for free by visiting CrackingYourMoneyCode.com   Learn More with Resource Links:   Jim Rogers' speaking schedule   JimRogers.com   Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/   You can DM the show and directly ask questions!     Also Check Out:   MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com    

On today's episode,  Heather Wagenhals visits with Featured Expert Bob Carlson , dubbed "America's #1 Retirement Expert" to share something urgent regarding your IRA accounts, and of course it's something the government would rather you knew nothing about. Bob calls it "The IRA Trap Door." And he'll share with you what's behind it – and how it could affect just about anyone who owns an IRA when the trap door springs open on January 1, 2022.   You'll Learn:   What you need to watch for. How to determine if you should make a move with your retirement accounts and IRA's. and more will be revealed in this episode.   Plus a free download to analyze your retirement funds!   Find Bob Carlson's newsletter here: Retirement Watch   If you are experiencing financial challenges this year, DM Heather in IG or FB @unlockyourwealth for a complimentary discovery session to explore a new path for you financially.     Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you!   DM Heather on IG/FB @UnlockYourWealth to claim your free Affordability checklist to assess your finances and create your plan for homeownership/real estate investment.     Welcome to our sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme   Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Grab Heather's 9-page Financial Fire Escape Plan Checklist© for free by visiting CrackingYourMoneyCode.com   Learn More with Resource Links:   Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/   You can DM the show and directly ask questions!   For free tools and resources, give Heather an inbox message @unlockYourWealth after each show for the complimentary resource she offers. FREE is GOOD! Do it now!    Also Check Out:   MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com   Jim Woods Links:   Bullseye Stock Trader   Eagle Eye Opener   Fast Money Alert   WayOfTheRenaissanceMan.com

Unlock Your Wealth Starring Heather Wagenhals. Your Life. Fully Invested©   On today's episode,  Rob Arnott joins Heather Wagenhals to discuss smart beta, value investing, and investing fundamentals.   Dovetailing off the panel Heather moderated at FreedomFest featuring Rob Arnott on Finding Financial Freedom, the pair deep dive in Rob's area of expertise.   Rob Arnott , coined the "Godfather of Smart Beta," shares how he earned the moniker by creating the fundamental index that many large investment firms use as their model and strategy for wealth creation for their clients.   They discuss:   The important factors of the fundamental index   How value investing works   What happens when anomalies occur and what we learn from these, “bubbles“   Being a Zimbabwean trillionaire (jokingly)   To learn more about Rob Arnott and what his organization does, visit : ReasearchAffiliates.com   DM Heather on IG/FB @UnlockYourWealth to claim your free Affordability checklist to assess your finances and create your plan for homeownership/real estate investment.       Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you!    Welcome to our sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme   Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Grab Heather's 9-page Financial Fire Escape Plan Checklist© for free by visiting CrackingYourMoneyCode.com Next Week's Key: Dreams with Deadlines   Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/   You can DM the show and directly ask questions!   For free tools and resources, give Heather an inbox message @unlockYourWealth after each show for the complimentary resource she offers. FREE is GOOD! Do it now!   Also Check Out:   MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com   Jim Woods Links:   Bullseye Stock Trader   Eagle Eye Opener   Fast Money Alert   WayOfTheRenaissanceMan.com

Dr. Joel Wade returns and joins Heather Wagenhals at the Unlock Your Wealth Remote Studios on Media Row in Mount Rushmore, South Dakota during FreedomFest. Dr. Wade explains the differences between emotions, moods and reactions and how we need to treat them separately for achieving mental well-being and happiness.   Dr. Wade also introduces his new program on Mastering Emotions, Moods, and Reactions which can be found on his website at DrJoelWade.com.   Grab Heather's 9-page Financial Fire Escape Plan Checklist© for free by texting the word "CODE" to (602) 952-1113 now.   Want this week's free strategy? Claim your free copy of Heather's Keys to Riches© Financial Fire Escape Plan by visiting CrackingYourMoneyCode.com now and join our exclusive VIP community for free!     If you like to learn more about how Friends of Freedom USA serves veterans and first responders, please visit their website at https://FriendsOfFreedomUSA.org/ .   Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you!     Welcome to our sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme   Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Learn More with Resource Links: Next Week's Key:   Remember Real Estate   Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/   You can DM the show and directly ask questions!   For free tools and resources, give Heather an inbox message @unlockYourWealth after each show for the complimentary resource she offers. FREE is GOOD! Do it now!   Jim Woods' Newsletter Advisory Services Websites:*   JimWoodsInvesting.com is where you find all of Jim's publications, including: The Deep Woods Successful Investing Intelligence Report Bulls-eye Stock Trader Eagle Eye Opener WayOfTheRenaissanceMan.com   Also Check Out:   MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com Special Offers: *** Get your FREE book from our sponsor Audible at AudibleTrial.com/UnlockYourWealth and click on the link to choose from over 150,000 titles for your iPhone, Android, Kindle or MP3 Player!

FreedomFest LIVE Featuring Top Market Analyst Jim Woods   Unlock Your Wealth Starring Heather Wagenhals   Jim Woods joins Heather Wagenhals as they broadcast live from the Unlock Your Wealth Remote Studios on Media Row in Mount Rushmore, South Dakota. As the pair discuss the world's largest gathering of Free Minds they discuss their talks, participating in the special events and networking opportunities including the Tenth Anniversary of the Anthem Film Festival.   Heather also reveals her panel moderation of the Seven Keys to Finding Financial Freedom with the Godfather of Smart Beta Rob Arnott and long-time financial writer Gary Alexander and how you can receive her 9-page Financial Fire Escape Plan Checklist© for free by texting the word "CODE" to (602) 952-1113   Want this week's free strategy? Claim your free copy of Heather's Keys to Riches© Financial Fire Escape Plan by visiting CrackingYourMoneyCode.com now and join our exclusive VIP community for free during our pre-launch phase!.     If you like to learn more about how Friends of Freedom USA serves veterans and first responders, please visit their website at https://FriendsOfFreedomUSA.org/ .   Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you!     Welcome to our sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme   Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Learn More with Resource Links: Next Week's Key:   Knowledge is Power, Not Knowing is Powerful   Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/   You can DM the show and directly ask questions!   For free tools and resources, give Heather an inbox message @unlockYourWealth after each show for the complimentary resource she offers. FREE is GOOD! Do it now!   Jim Woods' Newsletter Advisory Services Websites:*   JimWoodsInvesting.com is where you find all of Jim's publications, including: The Deep Woods Successful Investing Intelligence Report Bulls-eye Stock Trader WayOfTheRenaissanceMan.com   Also Check Out:   MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com Special Offers: *** Get your FREE book from our sponsor Audible at AudibleTrial.com/UnlockYourWealth and click on the link to choose from over 150,000 titles for your iPhone, Android, Kindle or MP3 Player!  

  Join me, Heather Wagenhals, LIVE in Goodyear, Arizona, for a special presentation at the Glitter and Guns event. This evening will benefit the Arizona State Troopers Association and affiliated charities Saturday, June 12, 2021.    Law enforcement is a challenging and rewarding profession. In the Arizona State Troopers Association, over 60% of the workforce is female. For one night, these women of law enforcement and their supporting friends and family gather together to enjoy a night out for the girls, a great dinner, and the opportunity to make new connections and learn from the different sponsors and presenters. This is all done to support the charities that the Arizona State Troopers Association funds.    If you want to learn more about blending successful personal finance, family management, and working a job with purpose please join us over dinner. Financial freedom is achievable, and veterans and first responders have their own particular challenges with successful money management. This evening will be an opportunity to identify those financial hurdles and learn how to successfully overcome them. Thus, allowing our veterans and first responders to create financial freedom for themselves and their families while risking their lives every day to protect ours.   Additionally, I will be speaking about the great work we do at Friends of Freedom USA. I am grateful to be serving on their board of directors. The mission, Empowering Those Who Serve© by helping veterans and first responders transition from service to civilian life successfully.     This will be an exciting summer of speaking engagements all across America. I am thrilled to be kicking off my summer speaking season with hometown heroes at the Glitter & Guns event to benefit Arizona State Troopers Association. For more information about the Association, just visit their website at https://aztroopers.org .   If you like to learn more about how friends of freedom USA serves veterans and first responders, please visit their website at https://FriendsOfFreedomUSA.org/ .   And to get $50 off your ticket to the largest liberty and economic conference in the world and attend FreedomFest July 21-24th, just visit http://UnlockYourWealth.com/freedomfest to claim your discount code now.

  Unlock Your Wealth Today Starring Heather Wagenhals   Jim Woods, Top Market Analyst and Way of the Renaissance Man returns to guest host with Heather Wagenhals this 2021 and brings his unique insight to share with you about the markets and so much more.   On today's episode:   Jim's recap of the first quarter of 2021 and what changed as the new year began.. Jim shares his thoughts on what's coming up for the second quarter. Jim discusses his "Four Horsemen" of the financial markets and what they are telling him. Jim kicks off National Financial Literacy Month and shares his most powerful tool for achieving financial freedom.   Tune in to hear how you can use the news to invest in the markets today.   Visit the website now and claim your FREE strategy for this week's Key at MakingSuccessSimple.com and join our exclusive VIP community for free during our pre-launch phase!     Welcome to our newest sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme   ******SIX-WEEK MEDIA TRAINING BOOTCAMP STARTS IN MAY. Finish BEFORE SUMMER. GET ON THE WAITLIST NOW! https://renaissancebrandmanagement.com/mediatrainingbootcamp Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Learn More with Resource Links: Next Week's Key: Take Action Make Assessment Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/ You can DM the show and directly ask questions!   For free tools and resources, give Heather an inbox message @unlockYourWealth after each show for the complementary resource she offers. FREE is GOOD! Do it now!       Jim Woods' Newsletter Advisory Services Websites:*   JimWoodsInvesting.com is where you find all of Jim's publications, including: The Deep Woods Successful Investing Intelligence Report Bulls-eye Stock Trader WayOfTheRenaissanceMan.com   Also Check Out:   MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com Special Offers: *** Get your FREE book from our sponsor Audible at AudibleTrial.com/UnlockYourWealth and click on the link to choose from over 150,000 titles for your iPhone, Android, Kindle or MP3 Player!   Meet Our Featured Experts Right Here!   Featured Expert Dr. Mark Skousen's Investing Sites:   Forecasts & Strategies High Income Alert 5 Star Trader Fast Money Alert TNT Trader   Featured Expert Hilary Kramer's Investing Sites:   Value Authority   Turbo Trader   High Octane Trader   Game Changers   Two Day Trader   Inner Circle  

Today we review one of the simplest goal achievement strategies from Heather Wagenhals and The Keys To Riches™ Financial Philosophy.   Some of the tactics seem to be the antithesis of goal planning and she dispels the myths of goal setting and shares a better way. Using Heather's biology-based approach to achievement, she explains how you can deploy these simple behavioral hacks to shed the self-sabotage and really achieve in profound ways.   The Keys To Riches™ Financial Philosophy 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. It also gives you specific techniques to create or fix your credit, eliminate debt, save and invest, building wealth and happiness holistically, all while transforming your current financial habits into healthy money management skills.   Key Statement: In order for me to achieve the things I want in life and accomplish my dreams I must attach deadlines to them.   Key Affirmation: I am great at goal setting and achieving my goals through action.   Key Commitment: I commit to designing the life of my dreams using the Dreams With Deadlines© Goal Setting Strategy.   Key Action Item: Write out your goals. Make them specific yet small, measurable, and achievable.  Add sensory awareness to each goal. Make them realistic and make sure that they have a time attached to it.   Would you like to learn more? Find out what Insider's club members have already learned about managing their money better, reducing stress while creating wealth and happiness for less than one hour of minimum wage A MONTH! What have you got to lose but the debt in your wallet and the poverty in your mindset?   Request more info today!   Tune in to hear how you can discover a simple way to achieve goals and get on the path to financial freedom and prosperity now.   Visit our new website for creating that professional edge now and claim your FREE strategy for this week's Key at MakingSuccessSimple.com and join our exclusive VIP community for free during our pre-launch phase!   Welcome to our newest sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme   ******SIX-WEEK MEDIA TRAINING BOOTCAMP COMING UP IN MARCH. Finish BEFORE Summer. GET ON THE WAITLIST TO CLAIM YOUR SEAT NOW! https://renaissancebrandmanagement.com/mediatrainingbootcamp   Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Learn More with Resource Links: Next Week's Key: Knowledge is Power, Not Knowing is Powerful   Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/ You can DM the show and directly ask questions!   For free tools and resources, give Heather an inbox message @unlockYourWealth after each show for the complementary resource she offers. FREE is GOOD! Do it now!   Featured Expert Dr. Mark Skousen's Investing Sites:   5 Star Trader   TNT Trader   Jim Woods' Newsletter Advisory Services Websites:*     JimWoodsInvesting.com MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com WayOfTheRenaissanceMan.com Special Offers: *** Get your FREE book from our sponsor Audible at AudibleTrial.com/UnlockYourWealth and click on the link to choose from over 150,000 titles for your iPhone, Android, Kindle or MP3 Player!

Stock Market Predictions Featuring Top Market Analyst Jim Woods   Unlock Your Wealth Today Starring Heather Wagenhals   Jim Woods, Top Market Analyst and Way of the Renaissance Man returns to guest host with Heather Wagenhals this 2021 and brings his unique insight to share with you about the markets and so much more.   On today's episode:   Jim's recap of the last quarter of 2020 and the year as a whole. Jim shares his formula for approaching and analyzing the markets. Jim discusses Gold versus Bitcoin and which is the better hedge as a flight to safety. Jim discusses his world view and "Renaissance Man" way of intuiting the markets, and life.   Tune in to hear how you can use the news to invest in the markets today.   Visit the website now and claim your FREE strategy for this week's Key at MakingSuccessSimple.com and join our exclusive VIP community for free during our pre-launch phase!     Get your FREE Way of the Renaissance Man masks for Unlock Your Wealth fans when you order one today! Use Promo code: UNLOCK241 at WayOfTheRenaissanceMan.com/store NOW!     Welcome to our newest sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme   ******SIX-WEEK MEDIA TRAINING BOOTCAMP NOVEMBER 9TH. Finish BEFORE Christmas. GET ON THE WAITLIST NOW! https://renaissancebrandmanagement.com/mediatrainingbootcamp   Think you can't afford to fly privately? Think again! My friends at>>> @setjet

Heather Wagenhals is Host of Unlock Your Wealth Radio and author of Yes You Can! and Bushido Business: The Fine Art Of The Modern Professional with Tom Hopkins, Brian Tracy and Steven Covey. Heather talks about how important finding self-wealth is for your life! Check out this episode and more anywhere podcasts are found! Heather's IG: https://www.instagram.com/unlockyourwealth/ Website: www.UnlockYourWealthRadio.com www.HeatherWagenhals.com TUP IG: https://www.instagram.com/theunexplainablepodcast/ --- Support this podcast: https://anchor.fm/unexplainable/support

The latest and greatest cyber scams are discussed with our expert, Heather Wagenhals.

Dr. Norm Kurland is interviewed by Heather Wagenhals on the basics of the Just Third Way.

Today's Flash Back Friday comes from Episode 217, originally published in July 2014. Heather Wagenhals is Host of Unlock Your Wealth Radio and author of Yes You Can! and Bushido Business: The Fine Art Of The Modern Professional with Tom Hopkins, Brian Tracy and Steven Covey. Wagenhals explains why people don't save more if they already know to spend less. She also discusses the best place to put money if banks or the stock market fail. For the past 20 years, Heather Wagenhals has worked to empower others with her special blend of personal finance and wealth building techniques. Heather is a celebrated columnist, author of Yes You Can! With the late Jim Rohn and others, Bushido Business the Art of the Modern Professional with Tom Hopkins, Brian Tracy and Steven Covey, host of Unlock Your Wealth Radio, member of the National Speakers Association and International Speakers Network, Certified NLP Practitioner, and a designated real estate broker. Heather is also an adjunct Professor for the University of Arizona‘s Eller College of Business. A native Phoenician and Founder of the Unlock Your Wealth Foundation, Heather has two decades of experience in financial services that developed her Keys to Riches™ Financial Wellness Series, which teaches people how to identify and overcome their limiting beliefs around money with specific techniques to create unlimited wealth and happiness. In addition to money and credit management, Heather speaks on many topics including networking, etiquette, Neuro-Linguistic Programming, entrepreneurship, professional development for women, custom sales training, self-defense, firearms safety, real estate, and self empowerment. Her ability to take intimidating information and communicate it in easily digestible forms through all mediums, coupled with her personal mission to help others help themselves, makes heather one of the premiere key note speakers and personal finance experts today. Website: www.UnlockYourWealthRadio.com www.HeatherWagenhals.com

Baby Boomers Beware: Planning to retire in 2018? Whether your retirement date is this year, a few years down the road, or even if you've already retired, you may have some more work to do! Today's guest Nahum Daniels will be talking about the hidden risks to your retirement and what you can do to prepare. Who's On: Nahum Daniels, a Retirement Income Certified Professional®, zeroes in on the unique challenges individuals face in managing income and assets that need to last a lifetime. After analyzing his clients specific needs and clarifying objectives, he is qualified to offer a wide variety of investments based on an individual's goals and tolerance for risk. He does this by using his proprietary Black Swan Client Portfolio Construction Model and conforming to his Ten Principles of Core Retirement Portfolio Design. As a Certified Financial Planner™ practitioner, Nahum brings a comprehensive approach to the full range of tax, insurance, estate and asset preservation issues facing you today. He offers advanced expertise in multi-generational IRA distribution and Roth conversions; identifies charitable and other planning opportunities to transfer wealth gift- and estate-tax free; and brings a fully-informed approach to dynastic trust design, situs selection and tax-advantaged funding.​ Big Vision: Nahum Daniels tailors individualized investment portfolios aimed at providing the risk management individuals need without sacrificing the long-term performance they want. What's Shared: Nahum will answer the following questions: We're living longer! How does this affect our retirement plan? How can we maximize our Social Security? How does our lifestyle expectations impact our retirement? How can we stay on track with spending and saving during retirement? And more! Learn More with Guests Links: Company Website: ​http://www.nahumdaniels.com/ This Week's Key: Our seventh Key in our Keys to Riches© Financial Philosophy is Break the Budget Check out the replay right here. Watch Unlock Your Wealth Live on Facebook and Instagram Monday's at 9AM Pacific. Tags: baby boomers, retirement, investing, budgeting, cash flow, bucket list, #UYWRadio, Nahum Daniels, Heather Wagenhals

The Keys To Riches™ Financial Wellness Series 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 Wagenhals offers specific financial techniques to help your financial habits become healthy money management skills. Listen every Monday morning on the Keys To Riches website 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. 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. Tune in every week as Heather Wagenhals, host of Unlock Your Wealth Radio, reveals this week's Key, along with our Key of the Week, Moolah Word of the Day, Money Drama & more! Click HERE to listen to last week's Key Six: Hope for the Best, Plan for the Worst.

The fraudsters are out there trying to get your password info so they can uncover other sites where you're using the same password. Heather says that you should use a different password for every site you subscribe to. That's truly the only way you can stay safe. Remember human psychology is always in play, you're either avoiding pain or you're seeking pleasure. The fraudsters capitalize on this by threatening dire consequences if you don't click that button or make that call or give out your credit card number. Fear is a much better motivator than pleasure because it taps into the survival instinct. 

Heather Wagenhals has always had a particular revulsion against scammers who exploit the elderly and the ignorant and steal their money, often their life's savings. Now Heather is compiling a list of scams around the country. She's put herself onto so-called "Sucker Lists," and is being voluntarily inundated with scammers. She records their calls and the phone number they're calling from, along with any suspect websites. Then she pushes them out on the web as warning to the unsuspecting. Scammers beware, there's a new sheriff in town!

Heather Wagenhals has always had a particular revulsion against scammers who exploit the elderly and the ignorant and steal their money, often their life's savings. Now Heather is compiling a list of scams around the country. She's put herself onto so-called "Sucker Lists," and is being voluntarily inundated with scammers. She records their calls and the phone number they're calling from, along with any suspect websites. Then she pushes them out on the web as warning to the unsuspecting. Scammers beware, there's a new sheriff in town!

Imagine an 18 year old posing as a doctor and he actually makes house calls. Luckily he was just posing as a holistic doctor. He was enterprising, and while he was visiting a "patient's" home and help himself to her credit cards and check book and borrowed over $35,000. A case of impersonation and identity theft. The perpetrator of this crime is now under psychiatric observation as this was not his first offense. Remember, just because someone has a white jacket and calls himself doctor doesn't make it so!

Just when you thought it was safe to eat your Big Mac, we find out that identity thieves have been breaching fast food company credit card systems. The new chip card reading systems aren't working in many stores. As a result identity theft is continuing unabated. Heather said that the effort to be backward compatible, rather than simply replacing the existing system has been at the root of these problems. 

No sooner that you've rung in the new year and the scammers descend. Happy New Year! You can't build a Great Digital Wall of China/Trump, it's just not practical. Restrict your social network access and you can keep things a little more private. Be wary of friend requests. Keep your phone numbers hidden and unlisted. Pay attention to click for support sites, fake charities and fake sites that appear real. Watch out for chip credit card scams and part time job scams. The list is endless. So be vigilant!

No sooner that you've rung in the new year and the scammers descend. Happy New Year! You can't build a Great Digital Wall of China/Trump, it's just not practical. Restrict your social network access and you can keep things a little more private. Be wary of friend requests. Keep your phone numbers hidden and unlisted. Pay attention to click for support sites, fake charities and fake sites that appear real. Watch out for chip credit card scams and part time job scams. The list is endless. So be vigilant!

While internet scams are certainly proliferating, conventional tried and true scams are still being conducted every day of the week. They appear to be exceptionally effective during the holiday season. Thieves understand that you're more focused on getting through the holidays and that therefore your guard may be down. Heather talks about the home based work scams where the scammer works on your confidence to get you to send them money, while you're waiting for their wire or check to clear, which it never does. So be on your look out for scams this holiday season. 

Hackers have stolen personal information belonging to about 15 million T-Mobile wireless customers and potential customers in the U.S., including Social Security numbers, home addresses, birthdates and other personal information.  Why do criminals keep getting their hands on sensitive information so easily? Will there ever be a stop to this activity?

Another day, another data breach. Yet another health insurance company has been breached. Where will your data wind up? But there are ways to prevent or inhibit data thieves and hackers. Always be certain to review all of your statements monthly. You never know when the ID Thieves start out slow with a few small charges and then they slam you with massive fraudulent charges.  And most importantly go to KeepMyID.org and use the value code FSN2. 

Just because identity theft is all the rage today, scammers have always been with us. Heather traces them back from Charles Ponzi, the grandfather of scammers to present time.  To keep your identity safe now go to www.KeepMyId.Org and be sure to use the Code FSN2.

Heather Wagenhals explains that the data theft at the Federal Office of Personnel Management also included the theft of Security Clearance records or those people holding security security clearances or those seeking them. These records are incredibly detailed and extensive. If you've ever attempted to get a security clearance, you know that the government goes back and interview neighbors, teachers, etc. If you're one of those people, it's truly frightening. Therefore, it's more important than ever that you look down you credit reports.  To keep your identity safe now go to www.KeepMyId.Org and be sure to use the Code FSN2.

Heather Wagenhals and Pat Crow are both identity theft experts who understand exactly how exposed you are. The IRS just had a massive data theft breach. Heather's husband suffered income tax return fraud and she's still trying to straighten it out, years later. KeepMyId.Org is the only service that actually prevents identity theft. All the others simply allow you to watch as the criminals steal your identity and destroy your reputation piece by piece. And then it's your responsibility to do something about, no matter how difficult or impossible the task.  KeepMyId.Org stops identity thieves dead in their tracks. Use the Code FSN2. 

What's going on in Canada? Canadian women in their 50's and 60's  have been taken for over $10 million by virtual gigolos who provide these women with much needed love and affection and companionship. They "Catfish" these women and build up trust over time and get them to send money and other gifts. It's just another way that people are being scammed. But nothing is as horrible as identity theft, the fastest growing crime in North America. To prevent your identity from being stolen go to KeepMyId.org and be sure to use the discount code FSN2! It's the only service that actually freezes your credit reports and prevents identity theives from openining up new accounts in your name. 

Heather Wagenhals talks about how millions of homeowners got burned during the Great Recession but real estate can still be the best investment available to the average American. You need to look for cashflow not windfalls! Heather's been a longtime believer in the strategy. We also talked about the Verizon and IRS scams. They're like the EveryReady Bunny. They'll keep going and going until everyone has been hit or at least attempted to be hit up.  To prevent your identity from being stolen go to KeepMyId.org and be sure to use the discount code FSN2! It's the only service that actually freezes your credit reports and prevents identity theives from openining up new accounts in your name. 

Heather Wagenhals joined us today to discuss the recent bank hack/heist and the ingenious way it was executed. Never underestimate the intelligence of criminals. They spend all their time looking for weaknesses and opportunities to illegally profit. Therefore, it's very important that you're extremely wary when dealing with any emails, links, attachments or anything you're not sure of on the Internet. Also, don't store your passwords, and regularly dispose of your cookies and caches from your browser. Otherwise, you could find yourself looted as well.  To prevent your identity from being stolen go to KeepMyId.org and be sure to use the discount code FSN2! It's the only service that actually freezes your credit reports and prevents identity theives from openining up new accounts in your name. 

 How can we be hacked on vacation? * How are these hackers targeting such a large volume of people? * What are some of the ways to prevent these attacks? * Why has the online world become a place full of criminals? Heather and discuss how you avoid being a victim. If you don't take proper precautions you're a sitting duck. Think of it as hackers being out there who's fulltime job is just looking for victims to steal your data and sell it for a profit or use it themselves to buy tons of stuff. So watch out! And listen to Heather, she's knows what she's talking about.  To prevent your identity from being stole

Heather Wagenhals is Host of Unlock Your Wealth Radio and author of Yes You Can! and Bushido Business: The Fine Art Of The Modern Professional with Tom Hopkins, Brian Tracy and Steven Covey.    Wagenhals explains why people don't save more if they already know to spend less. She also discusses the best place to put money if banks or the stock market fail.    For the past 20 years, Heather Wagenhals has worked to empower others with her special blend of personal finance and wealth building techniques. Heather is a celebrated columnist, author of Yes You Can! With the late Jim Rohn and others, Bushido Business the Art of the Modern Professional with Tom Hopkins, Brian Tracy and Steven Covey, host of Unlock Your Wealth Radio, member of the National Speakers Association and International Speakers Network, Certified NLP Practitioner, and a designated real estate broker.    Heather is also an adjunct Professor for the University of Arizona‘s Eller College of Business. A native Phoenician and Founder of the Unlock Your Wealth Foundation, Heather has two decades of experience in financial services that developed her Keys to Riches™ Financial Wellness Series, which teaches people how to identify and overcome their limiting beliefs around money with specific techniques to create unlimited wealth and happiness.    In addition to money and credit management, Heather speaks on many topics including networking, etiquette, Neuro-Linguistic Programming, entrepreneurship, professional development for women, custom sales training, self-defense, firearms safety, real estate, and self empowerment. Her ability to take intimidating information and communicate it in easily digestible forms through all mediums, coupled with her personal mission to help others help themselves, makes heather one of the premiere key note speakers and personal finance experts today.    Listen to Unlock Your Wealth Radio at www.unlockyourwealthradio.com.      Find out more about Heather Wagenhals at www.heatherwagenhals.com.