We have two money and financial experts to give us all much needed help.

Jean Chatzy and Lynn Richardson don't sugarcoat the situation but they do offer practical ideas you can use.

Spend less and know what you are spending money on. Figure out what is important.

Jean gives Teddi tips that are effective to save money.

Lynn advises couples about how to stop arguing over money. Multiple streams of income are likely necessary.

Plus, small business owners join Teddi to talk about ways to deal with all of this and save your business, including Kate Somerville and a movie theater owner.