In today's episode, we interview Heather Oynes on the topic of managing money.  Heather is a pharmacist and financial coach in addition to being a wife and mom.  Topics discuss include: Importance of parent/child conversations on money"Give save spend" Combating the idea that entrepreneurship is not financially safe Spender vs Saver Mindsets A budget is a spending planJustin & Heather's Dave Ramsey journeysMarriage and money - the importance of values and communication around moneyDifference between Financial Advisor and Coach "...even if you're arguing about money, that's better than ignoring the topic..." "A budget is telling your money where to go instead of wondering where it went.""...money issues are really vision, values, and goals issues." Resources referenced:Podcast: Destress Your Money Using Biblical PrinciplesBook:  Financial Peace University by Dave Ramsey Tool: Smart Kids, Smart MoneyBook: Total Money Makeover by Dave RamseyGroup: Created for More CommunityPerson: Heather Oynes LinkedIn, Heather Oynes Facebook Person: Justin Winstead, The Improver CoachCompany: Improver Group, Improver Network

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