Money is a fact of life, but very few people actually understand how it works and how to make it a point of success rather than stress. Tammy Johnston has been teaching personal finance and small business since 1993 and is dedicated to empowering families, kids, and business owners to take control of their money and their lives. As an independent financial advisor and founder of The Financial Guides, she works with people that want to learn, grow, and become the best that they can be in all areas. Dealing with and learning the rules of money and small business frees you from fear and anxiety and puts you on the path to freedom. Tammy can be found speaking, teaching, and appearing on the media (TV, radio, magazines, and podcasts) regularly taking boring and hard to understand subjects and making them interesting and clear.