Host: Arif Halaby
Co-Hosts: Mark Murphy and Jeff Girard
Hour #1-Overcoming Retirement Saving Setbacks
Hour #2-Things You Can Do To Boost Retirement Income
Total Financial Solutions Safer Money Hour , with host Arif Halaby , President & CEO of Total Financial Solutions airs every Tuesday from Noon to 2pm  on Santa Clarita’s Hometown Station, KHTS AM-1220. 
Total Financial Solutions Safer Money Hour With Arif Halaby - Tuesday, June 18, 2013
Jeff and Arif Talk About Rebuilding Your Financial Life...
Can you rebuild your financial life? This was the main focus of Arif and Jeff’s first segment. They broke down the strategies of reconstructing one’s personal account, repairing 401(k) mistakes, and more. Financial errors never happen at a convenient time or place, but they are a reality. In fact, financial mistakes can begin as early as childhood, and without proper guidance into producing money and value, those kids will continue to make poor decisions. For example, Arif is a proud proponent of not giving allowances to kids - and for good reason. He explained how giving an allowance is giving in to a mentality of ‘I exist, therefore, I deserve’ as opposed to ‘I produce, therefore I earn’. In addition to these drastically different mindsets, receiving an allowance increases the child’s dependence on the parent.
Next, Arif brought up the issue of paying off debts. The cost of existing is different for everyone, and every family. In order to make the best financial decisions, it is necessary to evaluate and prepare for future costs according to your lifestyle. Even living below your means, the keyword is below. Arif speaks from life experience, and truly works to explain his life lessons to the public so they don’t have to make the same mistakes.
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