Our guest on the podcast today is Lynnette Khalfani-Cox. She's a personal finance expert speaker and author of 15 money management books, including the New York Times Best Seller, Zero Debt: The Ultimate Guide to Financial Freedom. Lynnette and her husband co on TheMoneyCoach.net, which offers financial education consulting services, courses and workshops. Before starting TheMoneyCoach.net Lynnette was a Wall Street Journal reporter for CNBC, where she covered business and personal finance news. She spent nearly 10 years at Dow Jones & Company working as a reporter, bureau chief, deputy managing editor and personal finance editor. She received her undergraduate degree from the University of California, Irvine, and her master's degree in broadcast journalism from the University of Southern California. Lynnette, welcome to The Long View.