Guest: Donna Skeels Cygan, CFP®, MBA, is the President of Sage Future Financial, LLC, and the Author of the multi-award winning book, “The Joy of Financial Security“, offers her insights into how we can have our money support our happiness, including the following.

2016 is Your Year to be Happy and Financially Secure
Research shows that 40% of our happiness is defined by our own actions (choices, attitude, behaviors). By taking control of our finances and aligning our spending with our goals and values we can work towards a happy and prosperous 2016.

Focus on Experiences Rather Than “Stuff”
Over the past decade, an abundance of psychology research has shown that experiences bring people more happiness than material possessions. I will discuss exactly how and why experiential purchases are so much better than spending more money on “stuff”.

Five New Year’s Resolutions to Improve your Financial Health
The start of 2016 is a golden opportunity to calculate your net worth, review how much you are saving and assess your financial goals. I will offer five New Year’s resolutions that will help your listeners work towards financial security in 2016.

Ways to Improve your Human Capital in the New Year
Human capital is your ability to earn income over your lifetime. This is an enormous asset, and it is much more within your control than your stocks, bonds, or real estate investments. Human capital encompasses your education, the career you select, job changes during your lifetime, and your earned income. I will discuss ideas and ways that you can maximize your human capital in the New Year.

8 Worthwhile Ways to Give Back In the New Year
Expressing gratitude is one of the simplest ways to energize your day. When we think about all we have to be grateful for and give thanks to those around us, it can lighten our psyches and rejuvenate our souls. I will offer eight fulfilling ways for your listeners to share their thankfulness, spread joy, and give back.

1 Understand What You Have, Be Happy with What You Have
2 Five New Year’s Resolutions to Improve your Financial Health
3 Ways to Improve your Human Capital in the New Year & Focus on Experiences Rather Than “Stuff”
4 8 Worthwhile Ways to Give Back In the New Year