I’m excited to welcome back today’s guest, Jennifer Hemphill, who is a friend of the So Money® show. You can listen to her first episode, #117, but today she’s back because she has some exciting news: Her book, Her Money Matters: The Missing Truths From Traditional Money Advice, launched February 13.

For those of you who didn’t hear her first episode, here’s a little bit about Jen: She’s an accredited financial counselor, blogger, podcaster, military wife, mother of two, and now, author.

One thing that sets Jen apart is that she gets to the root of how our emotions and upbringing affect our money stories. Today we’ll be talking about:

• Forgiveness. Why and how to forgive yourself when it comes to your financial setbacks.
• Whether or not budgeting is necessary – Plus, a critical piece about budgeting few talk about.
• Why most of us are only getting 10% of our financial life right.

You can learn more about Jen on her website, JenHemphill.com, and find her on twitter @JenHemphilll (that’s with three l’s). Also be sure to check out her book, Her Money Matters (launched February 13).