`Today on the show: Before we chat with Vanessa about why everyone especially women need to be part of the money conversation, we'll start the show with our "No Dumb Questions" segment. Last year 75% of families received a tax refund of about $3,000. Is it better to owe money at the end of the year or get a refund like so many families? Erica Cummings CFP at The Harmony Financial Wellness Group at RBC Wealth Management and host of the podcast A Strong Woman for Strong Women explains which strategy might be best for you. Follow Erica on LinkedIn Email Erica Vanessa Martinez Managing Director and Partner at The Lerner Group at Hightower Advisors joins the show today. We had an open and dare I say fun conversation about money. Talking about how more women need to show up to the money conversations. It's about building wealth not just investments and how to best get on the same financial page with your partner. Vanessa’s primary focus is guiding families through all aspects of their wealth. Vanessa’s passion enables her to dive deep into family dynamics and find actionable solutions for complex problems. By partnering with families, Vanessa is able to build meaningful relationships and help them pass on a legacy. Vanessa is also the co-author of Family Value at Risk, a book that details the details the importance of intentional communication among families, but most importantly between the matriarch and patriarch of the family. We end the show like we always do with our "Seat at the Kids Table" segment. Today we asked the kids "What is a SMART goal? It's ok if you as the adult doesn't know the answer, that's why we invite Susan Beacham Founder of Money Savvy Generation to the kids table. What is a SMART goal and why it's crucial we teach it to our kids. Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices