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I am gonna be speaking today on the Secrets to Financial Happiness for a Lifetime. And my nameamp;#39;s Peggy Olive, and Iamp;#39;m 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, Iamp;#39;m also a financial coach. I did for many years the mandated bankruptcy education. So probably have met with Oh, I havenamp;#39;t counted but itamp;#39;s at least a thousand families, many times at their kitchen table talking about whatamp;#39;s working with their money, whatamp;#39;s not working, whatamp;#39;s going well, the hopes and the dreams and how to get there. I love talking about money, especially other peopleamp;#39;s money. Iamp;#39;m hoping we can have little bit of fun today and learn. Everything I share here today, itamp;#39;s in some generals about what works in general and then it