Let’s face it. Money has not exactly been an uplifiting topic of late. The “Upside of this Economic Downturn” is that it’s forcing us to look at money in a whole new light. This speech will focus on three key lessons that everyone can put to use today… no matter how much or how little you know about personal finance.

1. Focus on what really drives your household spending: Housing, Children, Transportation. For most households this eats up at least 50% of gross income.

2. Learn to ask yourself, “How bad do I want it” to engage in mindful spending. This financial tool will show you how to translate your earnings into an hourly after-tax wage so you can equate your spending to how long it took you to make that money to spend!

3. Hold a household financial summit to make sure you are properly prepared for the unexpected. The one thing everyone should expect in life is the unexpected. Yet less than 1 in 3 Americans practice “Safe Savings” – having enough in an emergency cushion to protect against life’s inevitable road bumps.

By the end of this talk you will feel inspired to take those financial lemons and turn them into lemonade.