No one likes a boss constantly hounding them, all the while making just enough money to make ends meet with little left over. Today, Vicki’s guests share advice to free you from these burdens! Financial advisor Gary Sirak and America’s #1 small business expert Melinda Emerson… only on Conversations Live with Vicki St. Clair!

The economic crash of 2008 exposed Americans tendency to overspend and live above our means. Since then, we have cut back and beefed up our savings, but as financial advisor Gary Sirak points out, “We have no memory at all. We will be freaked out and more conservative with our money, but as soon as any signs of an economic upturn show up, we will be right back to our old spending habits”. So how do we change our money habits for good? In his book If Your Money Talked… What Secrets Would It Tell? author Sirak approaches crucial factors in spending, including why do we tend to go back into overspending when it feels safe, what is the most common money mistake people make, and why is it so important to “keep up with the Joneses”? Gary Sirak is the president of Sirak Financial Services Inc., and has over 30 years experience in financial planning, insurance, investments, and employee benefits.

The only thing better than having a good job is having a good job and not having to answer to anyone! In the bestselling Become Your Own Boss in 12 Months, author Melinda Emerson provides a tool for people who are unhappy with their jobs and have always dreamed of owning their own business. Rather than just giving advice, she provides a realistic, month-by-month planning guide to starting a sustainable and profitable small business. Emerson began her career as a television producer, and within five years left tv to pursue her entreprenurial dreams. She is currently CEO of Quintessence Multi-media, developing audio, video, and written content to provide a link between her Fortune 500 clients and their small business partners. Staying busy, she also writes a weekly column for the New York TImes, hosts a weekly talk show on Twitter called #SmallBizChat, and publishes a resource blog at

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