Do you plan longer for vacations than for your retirement?

Not being prepared for life finances will get you into trouble, no matter what stage you're in.  Jay Wells, with Drive Wealth Advisers and Susan Speirs, the CEO of Utah Association of CPAs say the worst thing you can do is pull out money early from a retirement fund to pay for everyday needs.

Learn which type of 'retirement ratio' your advisor is talking about and if starting a Roth IRA in high school is too early.

Call 211 if you need help buying groceries or housing and stop contributing to retirement funds, TEMPORARILY, if you're facing financial difficulties during inflationary times.  These are just a few tips in this episode.

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 Twitter page.

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

The goal of Money Making Sense, a 4-time People's Choice Podcast Award finalist, is to help you find more financial peace.  Host Heather Kelly and guest experts focus on personal finances and analyzing family decisions.  The show discusses vacationing on a budget, how money affects relationships, retirement savings, reducing household expenses, and the financial impact of owning pets.  Along with celebrity interviews from the Sundance Film Festival and FanX Salt Lake focusing on finances.  Money Making Sense will give you practical ideas on how to improve your bottom line.