Are you a saver or a spender? Does talking about money and your financial future stress you out?

What you learned from your parents has A LOT to do with your relationship with money and if you're a parent, your kids are learning about money from YOU.

I spoke with Ande Frazier, an expert in behavorial finance and the ForbesBook author Fin(anci)ally Free: 11 Conversations To Have With Yourself About Life, Money, and Worth.

And she explains steps to overcome those deeply ingrained habits and behaviors learned from your past and parents.

To connect with Ande, visit AndeFrazier.com