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I am gonna be speaking today on the Secrets to Financial Happiness for a Lifetime. And my names Peggy Olive, and Im an employee of UW-Madison and also of Extension. So I spend some of my time on the Madison campus teaching an undergrad class on financial coaching, and then I also worked for 19 years with the UW Extension where I did financial counseling, Im also a financial coach. I did for many years the mandated bankruptcy education. So probably have met with Oh, I havent counted but its at least a thousand families, many times at their kitchen table talking about whats working with their money, whats not working, whats going well, the hopes and the dreams and how to get there. I love talking about money, especially other peoples money. Im hoping we can have little bit of fun today and learn. Everything I share here today, its in some generals about what works in general and then its up to you to try to apply this to your specific situation. Again, we can have question