It’s Midday on Personal Finance.

The economy continues to surge and confound. Unemployment and inflation are down, the stock market and wages are up. But spending power is a different story for a lot of Americans, and saving for the future remains a challenge. Nearly 60% of Americans have less than $5,000 in their piggy banks.

Tom's guests today are two financial advisors who are ready to take your questions about managing your money.

Nicolas Abrams is a certified financial planner and the founder of Opulentia, a financial services company in Hunt Valley,

Deborah Owens is the founder of WealthyU, a financial wellness company, and the author of Wealth Secrets: A Woman’s Guide to Own and Secure Your Financial Future.

What’s on your mind when it comes to money?

Email us at midday@wypr.org, tweet us: @MiddayWYPR, or call us at 410-662-8780.