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Our special guest for this program is Mr. Gil Michel, MBA, who is a CPA and is also CEO and President of The Caleb Group. Gil's article, "Laying the Foundation For Your Financial Success," first appeared in our empowerment magazine, The College World Reporter (CWR). It is imperative now more than ever to understand the dynamics of personal finances, simply put, we all need to know how to manage money. Unfortunately most people avoid talking about how to better manage money like the proverbial plague. But, knowing how to budget, to have the discipline to live within that budget, learning how to find ways to save even with limited income, and learning how to control spending are all keys to success in building personal wealth. Another important factor that most are not well educated about is investing. In this program, Mr. Michel covers all of these topics and provides sound advice and tips to listeners to help them get on the path to building personal wealth.