Saving for retirement is never easy.  But financial planner, John Smallwood, the President of Smallwood Wealth Management says you need to make sure you are saving at the correct inflation rate for you.

John advises putting money away into savings FIRST; then pay the bills with what's leftover.  Not the other way around. 

He also has a book to help you keep your money, "It's Your Wealth-Keep It: The Definitive Guide to Growing, Protecting, Enjoying, and Passing On Your Wealth."

You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.