Shari Olefson, author of Financial Fresh Start: Your Five-Step Plan for Adapting and Prospering in the New Economy, gave Brian an in-depth explanation of her five-step plan.  Olefson's fShari Olefson Bookive steps are: Adapting your banking and borrowing; Fixing your credit and debt; Protecting your savings, investment and retirement; Deciding if homeownership is right for you; and Figuring out ways to spend less money and earn more money.

Olefson also gave Brian some other tips for individuals that are just starting out: "Students can't be deciding on education now based on where their friends are going and what's convenient, and a career based on what sounds like fun.  This needs to be a business decision based on return on investment," she explained.

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