Hi, my name is Elaine Hays and I am a political, financial and economic junkie. I love reading and listening to the news, interpreting what I am hearing and then discussing it with those around me. Sometimes they agree with me and sometimes they don’t, but I thoroughly enjoy the dialogue. I am a CFP (Certified Financial Planner) and my husband, Tracy, is a CPA. We own a private wealth management firm that helps clients identify and then achieve their financial goals. We have co-authored two books, When God We Trust and Avoiding the Top Ten Money Mistakes. We have been married for 27 years and have four fantastic children – Taylor, Rachel, Ryan and Caleb. (And now a wonderful son-in-law, Joshua!) As a conservative, Christian woman, my world-view has a biblical perspective. I rely on scriptural truths to define my ideas of life, family and the role of government and you will see that expressed in my writing. I’m passionate about learning and began my post-high school education with a BBA in Marketing from Texas Christian University. At the age of 40 I returned to school and earned a Master of Science in Finance/Economics from West Texas A&M. At the age of 50, I began working on and completed 51 doctoral hours in Economics from Texas Tech University. My husband is a bit nervous to see what happens when I turn 60. We elect politicians who set policies that govern our economy. We make choices to spend, save or share money with others. All of these decisions have consequences, positive and negative, and our goal is to avoid the negatives. By pursuing knowlege on personal finances, economic principles and the impact of government policy on our daily lives, we become equipped to make better decisions. And the more we educate ourselves, the more we have to pass on to your children and grandchildren – literally.