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Erica is the financial education director and co-host of the web & TV program "Change Starts At Home". She is also the author of the top selling book, "Expecting Money". She writes for the San Francisco Chronicle's SF Gate - and her articles are featured in the Wall St. Journal, CNBC, New York Daily News, Market Watch, Redbook, and www.smartmoney.com. Erica is a frequent guest on Forbes Video Network, Fox Business News, and Businessweek TV. Erica was one of my first guests in Sept. 2009, and we welcome her back. Prior to setting up her writing and financial consulting business, she was affiliated with Consumer Credit Counseling Services of San Francisco for over 10 years. Her website is www.ericasandberg.com.