what would you say, i never asked you this, what s your key to understanding money? my question is we must live below our means and put a little away to build future. it gives cushion and that allows a less stressful life, quite frankly. this is why we ve been fighting. you don t put money away. i think it s something you should use to get more money, seize opportunities, take measured risks. he likes to risk his, i like to save my, i don t want to lose it. that s frankly a way a lot of spenders and savers are. she has a minivan. and he has a motorcycle. a perfect metaphor. in our relationships or dealing with any part of this economy, our goal for you this hour is by the end of this hour, you will feel confident about money and be able to speak money in your job, with your mortgage banker, with your spouse, with a little more confidence. we wrote a book about it, but we didn t do it alone. here to help you for the hour, jeff garrier, lynette, cal fanni-fox, a