Get Money

Live the Life You Want, Not Just the Life You Can Afford


By Kristin Wong

Read by Kristin Wong

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Learn how to live the life you want, not just the life you can afford in this highly engaging, step-by-step guide to winning at personal finance!

Managing your money is like going to the dentist or standing in line at the DMV. Nobody wants to do it, but at some point, it’s inevitable: you need to clean your teeth, renew your license, and manage your personal finances like a grown-up. Whether you’re struggling to pay off student loan debt, ready to stop living paycheck to paycheck, or have finally accepted that your Beanie Baby collection will never pay off, tackling your finances may seem immensely intimidating. But it doesn’t have to be. In fact, by approaching it as a game–or something that requires you to set clear goals, as well as face challenges you must “beat”–personal finance can not only be easy to understand, but it can also be fun!

In Get Money, personal finance expert Kristin Wong shows you the exact steps to getting more money in your pocket without letting it rule your life. Through a series of challenges designed to boost your personal finance I.Q., interviews with other leading financial experts, and exercises tailored to help you achieve even your biggest goals, you’ll learn valuable skills such as:

  • Building a budget that (gasp) actually works
  • Super-charging a debt payoff plan
  • How to strategically hack your credit score
  • Negotiating like a shark (or at least a piranha)
  • Side-hustling to speed up your money goals
  • Starting a lazy investment portfolio…and many more!

Simply put, with this gamified guide to personal finance, you’ll no longer stress about understanding how your finances work–you’ll finally “get” money.



By David Goetsch

Writer and Executive Producer of The Big Bang Theory

Since I agreed to write this foreword, here’s what’s been going through my head:

1. I’ve never written a foreword.

2. I’m really not sure what to do.

3. Uh-oh. I’m in trouble.

As a result, here’s what I decided to do:

1. Panic (a great excuse to eat chocolate chip cookies).

2. Feel guilty and bad about myself. (In addition to being unable to write this foreword, I really regretted eating those chocolate chip cookies.)

3. Worry. Keep repeating, “Uh-oh. I’m totally in trouble.”

But wait. I just remembered something. This feeling of dread and low self-esteem? It’s familiar to me. What is this like? Oh, right. I know this feeling. It’s how I’ve felt about money for most of my life.

When I was a kid, my parents had enough money to pay the bills, but they never had any money left over. So when I became a writer on a TV show more than twenty years ago and actually had some money to spare, you know what went through my head?

1. Panic. I’ve never had any money before. I’m really not sure what to do.

2. Feel guilty and bad about myself. I’m supposed to know what to do!

3. Worry. Uh-oh. I think I’m in trouble.

And I was in trouble! I once read a study that said losing a dollar feels twice as bad as gaining a dollar.1 But I think for me it’s much more than that—I always thought losing $1 felt just as bad as making $10 felt good. I was seriously worried about the future.

I didn’t realize it at the time, but being so worried about the future, I’d chosen a really terrible profession. My first job as a writer at MTV had me pitching ideas on Thursday. Then, based on those ideas, my boss would tell me whether or not to come back on Monday. That’s a one-week contract, renewable every Friday.

Later, when I was working on 3rd Rock from the Sun, I went to an accountant for the first time. He asked what my future earnings would be. I told him, “I could rise up the ranks of the writing staff, create a hit TV show, and make millions. Or I could never work again. So let’s budget for something in between.”

That level of uncertainty made me feel hopeless. Like I couldn’t plan. So I swung between spending lots of money after a really good pitch meeting when I felt like I was going to work forever to not cashing my checks so I couldn’t buy more things after a meeting when my ideas didn’t sell. In terms of my personal finance, I was an idiot. An overeducated, very well-read idiot.

But I wasn’t alone. The more people I talked to, the more I met folks who had no real idea how to handle their money. And they were ashamed, so they didn’t talk about it.

Personal finance is not often taught in school. At Yale, I took microeconomics and macroeconomics, but neither of my famous Ivy League professors ever taught me that over the long haul, stock-picking—less fees—doesn’t outperform investing in a simple index fund. It’s Investing 101. Why didn’t they tell me that on the first day?

On the second day, why didn’t they teach me about compounding? (Kristin can explain that to you here.) If they had, they themselves would have been “compounding” the impact of their teaching.

Instead I got a job in Hollywood and feared the worst was going to happen. I read the business section to confirm my fears. And, boy, did it deliver. Something bad was always happening in the world, hinting that, eventually, something was going to upset the markets. And it would.

When the financial crisis of 2008 and ’09 hit, I was ready for the world to end. But it didn’t. So when the market bottomed out, I did, too, and I realized I needed a plan. I didn’t need to fear the future, I just needed to recognize the uncertain things I can’t control and focus on the things I can control—which are a lot of things.

On my journey, I started reading Kristin Wong’s pieces on Lifehacker. I loved how she looked at all kinds of issues and presented the rational, healthy choices for readers while appreciating that many of us are totally neurotic and feel like we’re always sitting in a bathtub of fear. Her advice is like a life preserver that you’ll really appreciate decades from now when you actually have some retirement money to pay your bills.

Dealing with your personal financial situation can feel like the end of the world, but this book shows you that it’s just the start of a new one—a world where you have a plan, where you take advantage of the things you can control and don’t get bogged down with the things that you can’t. I wish my award-winning economist professors had made this book the first piece of required reading (rather than the textbook they wrote, which cost me $100).

It’s not too late—for me, for you, or for the person you give this book to!

So in conclusion, read this book and you will:

1. No longer panic about what to do with your personal finances.

2. Not feel bad when the topic of money comes up.

3. Need to find something new to worry about. Uh-oh.

Tutorial: Why We Suck at Money (and How to Use This Book to Get Better at It)

I was told there would be presents.

It was Christmas morning, I was four years old, and the plastic tree sitting in the living room of our one-bedroom apartment looked a little thin. Television, department stores, neighborhood friends—they all made it seem like Christmas was some magical day where every kid got all the toys they wanted, no questions asked. So when I noticed nothing under our sad little tree, I looked up at my mom, who must have seen this coming, and asked, “Why didn’t Santa bring anything?”

If our lives had been a daytime TV show or a Lifetime movie, my mother’s eyes would have welled up as she searched for the right explanation. I, a small and innocent child, would have learned the holidays are not about materialism, but love, family, and counting your blessings. This tender message would be the true gift, better than any Barbie doll or My Little Pony.

My life is not a movie, though. So when I asked my mom, a resolute immigrant who had made it through a tough life, why Santa hadn’t brought the presents, she snapped, “He’s busy! You think he has time for everybody?”

Fair enough. Her explanation seemed reasonable, and I fully bought it—until later that day, when watching television, I saw someone parachute onto a football field during a game. Guess who it was?

“Busy?” I yelled. Clearly, if Santa had time to drop in on a football game, he was not busy. He was just an asshole who picked favorites.

At the time, I had no concept of money and, thus, no idea how unreasonable I was being. I had no idea how hard my single mom worked to keep me fed and clothed. She couldn’t afford child care, but I thought it was fun sneaking into her job while her coworkers took turns watching me. She couldn’t afford a bigger apartment, but I enjoyed sharing a room with her and, occasionally, even my grandma. She couldn’t afford a car, but I loved running for the bus through a field of empty beer cans and dandelions. Once, when the bus left us behind and I giggled, my mom laughed and said, “Kristin, this is not supposed to be fun.”

When she remarried, it wasn’t to an executive or lawyer or doctor. She fell in love with the guy who worked in the produce department, and then those two broke kids proceeded to raise two broke kids of their own. As I got older, I began to realize my parents had a complicated relationship with money. “Money isn’t the root of all evil,” my dad used to say. “Not having enough is.” Indeed, when you do have enough, life is simpler. You buy a car to get to work. You send your kids to day care. Santa is not an asshole. Most of us don’t want to be filthy stinking rich, we just want enough money to make life a little less complicated.

When I grew up, I wanted to get money—not just in the literal sense, but mentally as well. Yes, I knew there was more to life than money. I was grateful for friends, family, and many other blessings, but at the same time, I wanted to know what it was like to live a life where money wouldn’t hold me back or keep me from doing the things I really wanted to do.

But that’s so much easier said than done.

If the statistics are any indication, most of us aren’t great with money, but that’s putting it mildly. Most of us actually kind of suck at money. A poll conducted in 2014 showed that more than 60 percent of Americans didn’t have enough money to pay for a $500 emergency.2 Of that 60 percent, about a quarter said that they would cut back on other areas to pay for the emergency. Another quarter said they would borrow money from friends—or worse, pay for it with a credit card, a decidedly costly move considering the average household with credit card debt pays $1,300 in interest every year.3

These are just a few of many statistics you’ve undoubtedly seen in headlines over the years, and there are a few reasons that explain why they’re such unflattering illustrations of how we handle money.


First, if you’re like most people, you probably have some negative associations with money. What’s the first cliché that comes to mind when you hear the word? It’s probably something like, Money can’t buy happiness. Or Money is the root of all evil. The point is, we haven’t exactly been praising money on a philosophical level.

Most of us tend to think of money as intimidating, boring, or materialistic, and therefore, it remains taboo. It’s a lot like the creepy dude in your office who says inappropriate things and keeps asking you to join his touch football team. You know he’s there, but you really don’t want to associate with him unless you have to.

The problem is, unlike your annoying coworker, you can’t just ignore money and hope it goes away. That only makes things worse—much worse. When you ignore money, it complicates your life in innumerable ways. Terrible things can happen: your car might get repossessed, you might get evicted, you might even have to change your phone number because debt collectors won’t stop badgering you. By avoiding money, you also allow it to become your master. It compels you to stay in jobs you hate, dream about traveling instead of actually going anywhere, and limit how you live your life because you can’t afford any other option.


Let’s be real, though. Part of the reason many of us have such a hard time with money is that the economy is changing. While employment rates have steadily increased since 2014, they’re nowhere near where they were before the Great Recession4 and wage growth is slow. This leaves many economists to believe the standard nine-to-five job will gradually disappear, while workers will embrace the “gig economy,” made up of Lyft drivers, Task Rabbits, freelance creatives, and other independent contractors. Intuit estimates that by the year 2020, a whopping 40 percent of the workforce will be freelance.5 Standard perks employers once offered, like pensions, are going extinct. The working class has to fight harder just to maintain its working class status. To make matters worse, we have more responsibility than ever over our finances, from saving for retirement to paying our estimated quarterly taxes. It’s enough to make you want to drop everything, put on a Morrissey album, and take a nap—why even bother trying to get your finances in order?

Giving up, however, is the worst thing you can do. In fact, we need to confront our personal finance skills, or lack thereof, now more than ever—because there’s only so much we can do about things that are seemingly out of our control (like the economy), and that’s all the more reason to focus on what we can control in order to fight a changing job market and empower ourselves financially.


However, it’s not just a complicated mind-set and a changing economy that hold us back. Many of us simply don’t understand how money works in the first place. You probably never learned about it in school. Your parents might be just as clueless about money as you are. And, more important, even if you do understand the basic math and rules behind personal finance, that doesn’t guarantee your success with it, because personal finance has more to do with behavior than anything else. Sure, a math teacher can show you how to crunch some numbers and draft a budget, but who teaches you how to actually stick with that budget? I don’t know about you, but when my favorite store has a sale, budget math is not at the forefront of my mind.

If you’re bad with money, take solace in the fact that you’re not stupid, you’re just human. While this book will teach you the basics of financial literacy, it also focuses on what actually makes a difference: your own habits and behaviors.

Money determines where you live, what you eat, how often you see your friends, where you go to college. We often don’t fully live the way we want because we’re too busy struggling to live the life we can afford. That’s where personal finance comes in. Contrary to popular belief, personal finance isn’t about being frugal or chasing money. In fact, I’d argue it’s not about money at all. It’s about not letting money get in the way of the many things you want to do, accomplish, and experience.


I remember the day my little brother, Draden, was born. I was elated—because I finally had someone to split the yard work with.

My least favorite yard chore, hands down, was picking weeds. The heat, the bugs, the prickly leaves: all of it was a nightmare to me. Naturally, when Draden was old enough, I outsourced this job to him. But I had to be smart about it. It’s not easy to convince a five-year-old to pick weeds, after all. My solution?

“We’re going to play a game,” I told him. He hopped up and down and clapped. “You see these little flowers in the yard? For every flower you pick for me, I will give you one point. If you get the root of the flower, like this”—I held up a little dandelion, wiry strings dangling from its bottom—“you get two points.”

Draden threw on his Barney sneakers, bolted into the yard, and grabbed at weeds left and right. He really wanted to win this game. What an adorable dummy, I thought, observing from inside with the air-conditioning and a can of Dr Pepper.

Child labor issues aside, there is something beautiful about this kind of manipulation. My brother was obsessed with this mundane chore all because he thought it was a game. Not long ago, I reminded my now twenty-five-year-old brother about this.

“Whatever.” He laughed. “I had fun.”

And that’s just it. Picking weeds was still picking weeds, but in his eyes, it was fun. Fun is a powerful, motivating concept we tend to underestimate, and it’s what gamification is all about.

Gamification is a strategy often used in business; it employs gaming elements to make boring tasks a little more engaging, motivating, and, ultimately, fun.

Typically, getting out of debt is about as much fun as picking weeds for someone. The difference is, when you accomplish the former, you get to reap the reward. When you pay off your debt, you have made progress for yourself, not your lazy older sister.

Whether you realize it or not, you’ve been exposed to gamification. McDonald’s gamifies the purchase of their food, for example, with their annual Monopoly sweepstakes. They reward you for your purchases with stickers, which make you want to keep playing the game so you can collect even more stickers and possibly earn an even bigger reward. Habitica is another example of gamification. It’s a habit-tracking app that turns your goal into a role-playing game in which you’re the main character (you even get to design your avatar). Your tasks, daily activities, and habits become monsters. Complete the task and you beat the monster, get rewarded, and move forward in the game.

Gamification doesn’t have to be that literal, though. Some companies and websites use one or two simple elements to motivate users without turning their entire platform into a game. For example, Mint, an online budgeting tool, uses a progress bar to help users track goals. When you’re on track with your goal, the bar turns green. When you’re behind, it’s red. This helps you visualize your progress, giving you a subtle but significant sense of mastery over your goal.

Some people have criticized gamification as a mindless, gimmicky marketing tool that’s all about points, rewards, and leaderboards, but when you really dive into it, gamification has more to do with psychology. The elements of gamification, when implemented correctly, encourage your brain to release the pleasure chemical dopamine, and research shows that dopamine is a strong regulator of motivation.6 When you feel good, you want to keep going, even when the task is boring. Just ask Draden.

In short, gamification is all about motivating users, customers, readers, and players to take action. And both motivation and gamification come down to a few basic concepts7:

Autonomy: When you feel like you’re in charge and you have the ability to make your own individual choices, you develop a strong sense of control. That sense of control motivates you to stick with your goals. For example, when you choose to save $10 a day, then later realize you’ve saved $100, you feel good about your choice and you want to keep going.

Value: You’re also more likely to stick with your goal when you actually care about it. This is why, when it comes to money, it’s crucial to see money as a tool for accomplishing something that actually matters to you. Don’t just budget because it’s the responsible, grown-up thing to do. Budget because you want to take that dream vacation to New Zealand. That’s a lot more valuable to you.

Competence: When you’re challenged and see yourself making progress with those challenges, you feel accomplished. Your hard work is paying off, and that motivates you to keep moving forward. It’s challenging to save $10 a day, but you did it, and not only are you confident in your choice, you’re also empowered by your competence and excited about reaching a meaningful goal—a perfect recipe for motivation.

At this point, you might be wondering why on earth we’re talking about gamification and motivation in a book that’s supposed to be about money. Well, there’s a strong connection between personal finance and gamification. But before I get into that, let me tell you about who I am and how I started writing about this stuff. Back in 2012, I began writing essays about money for a website called Get Rich Slowly. I wrote about everything from my struggle to save money to my experience investing for the first time. I would learn something new about money, break it down, then write about it so regular people like me could understand it, too. Other websites and outlets, from Lifehacker to Mental Floss to NBC News, started asking me to write about money for them, too, because they liked the way I broke down complicated concepts and made them easy for readers to understand.

After writing about money professionally for five years and, more important, struggling with it personally my entire life, I came to the realization that being awesome at money simply means feeling like you have control over it. When you feel like you have control, interesting things happen: You’re motivated to pay off your debt, stick to a budget, and save for the future.

I know a lot about money, and I think you should, too, which is why I wrote this book. I wanted to document everything I’ve learned about money, but I knew it wasn’t enough to just share the information or even simplify it. So I thought about my own experience with money and how mastering it really had to do with “small wins”—gradual accomplishments that made me feel in control and actually made personal finance fun. Being good with money basically comes down to understanding and working with your own human behavior. In other words, it’s about thinking about money differently—hacking your brain, so to speak (which sounds really messy, but you know what I mean). And that’s what gamification is all about: leveraging human behavior to reach a desired outcome.

This book gamifies personal finance so that you’re motivated to take control of your money. With that in mind, I also divided the information into three stages (because money mastery doesn’t happen overnight).

Stage One covers the basics. You’ll power up your personal finance knowledge by learning how to automate your frugality so you can save money without wasting your time. You’ll conduct a bill audit to stop overpaying for basic living expenses. You’ll learn to talk about money in your relationships. Finally, you’ll build a better budget and learn why your current one doesn’t work.

Stage Two optimizes your plan. Once you know the basics, you’ll learn how to improve your finances even more, so that your financial system works like a well-oiled machine. You’ll learn how to pick the best bank, supercharge your debt payoff, and improve your credit.

Stage Three teaches you to be awesome at money. After you learn the basics and optimize your financial plan, I’ll show you how to stick to that plan. You’ll learn how to start investing, how to make more mindful spending decisions, how to negotiate, and how to stick with your goals to reach financial security.

Most books have chapters, but being more action-oriented, this book has “levels” that you must “beat.” Each level includes actionable steps you can take to move forward with the information you learn. You’ll follow scripts for lowering your bills, complete a few exercises to troubleshoot your budget, and learn a few hacks for getting out of debt faster.

This book is also interactive. Go ahead: bend it, fold it, dog-ear it. It’s yours! It includes exercises, too. I’ll ask you about some of your own experiences, opinions, and thoughts on money—there’s no need to find a separate sheet of paper. You can write your answers directly in this book. A few other interactive elements you can expect include:

Money challenges: Some chapters will include specific money challenges you can take to boost your goals in that chapter.

Assignments: These won’t give you high school flashbacks, I promise. To help you explore certain money concepts, you’ll complete quick assignments directly in the book.

Interviews with experts: You’ll also find interviews with a number of personal finance and behavioral experts throughout the book. The “Pro Talk” features in the book include more in-depth insight from these experts so you can gain an even more well-rounded understanding of how money works.

You can take your experience online, too! At, you’ll find assignments and worksheets you can print out, video tutorials to help guide you through tasks, and more. I’ll let you know when to visit the website throughout the book.

By the end of it all, you’ll no longer think of money as scary, taboo, or synonymous with greed. In fact, you’ll learn how to finally master your money, instead of the other way around. It’s my hope that this book will help you take control of money and see it for what it really is: a tool you can use to be more independent, create more options for yourself, and accomplish the goals that matter to you most.

Simply put: this book is less about money and more about you. So let’s get started!



Welcome to Stage One! You’re about to learn the very basics of how to start managing your money. Pfft, I already know how to budget and save, you might be thinking. Budgeting and saving seem like really simple, no-brainer concepts, but most of us approach these fundamentals all wrong. Many of our mistakes with money are due to the fact that we don’t feel in control of it. In this section, you’ll learn how to master the basics of money the right way so you can develop habits you’ll actually stick with. Here are some of the tasks you’ll complete in this stage:

Come up with long-term and short-term goals for your money.

Start saving for an emergency, depending on your income.

Learn to be frugal without wasting your time.

Build a budget that actually works.

Break the “money taboo” and learn to talk money.

You’re one page away from finally doing this money thing. So what are you waiting for? Turn the page, already!


Define Your Mission, Choose to Accept It

Every book has a theme, and this book’s theme is obviously money, right? Wrong! Okay, not completely wrong. You probably found this in the personal finance section, after all, and the subject certainly is money. However, the theme of this book, the central idea that drives everything else included in it, is, ultimately, YOU and your goals.

In other words, why do you want to be good with money? It seems like a pretty dumb question, but having a clear answer will make your experience with this book much more successful. Most of us don’t bother asking this question. As a result, we’re stuck in what I like to call the “Oh Shit Cycle.”


In the Oh Shit Cycle, you look at your bank account one day and realize you barely have enough to cover rent this week. Oh shit! you think. How did this happen?


  • "Kristin does the seemingly impossible: she makes learning about money a whole lot of fun. Get Money is a terrific, relatable read that covers the most important principles in a refreshingly clear way. Kristin doesn't preach from a mountaintop; instead, she shares her own struggles and offers great insights on why managing money can be so tough, as well as practical strategies for turning things around. If you want to get money, get this book."—Liz Weston, personalfinance columnist and bestselling author of Your Credit Score
  • "If you love the quick-witted insider's perspective behind lifestyle site Lifehacker, you should be a big fan of Kristin Wong.... In Get Money, Wong presents a gamified version of Personal Finance 101 and also weaves in her own personal experiences with money along the way."—Casey Bond, The Huffington Post
  • "Get Money is a delightful way for any money novice to finally feel empowered to take back control. Kristin Wong brings levity to an often dry and jargon-filled subject with her witty personal anecdotes and fresh take on gamifying personal finance. Kristin never points out a problem without offering the reader a solution, an unfortunate rarity in the personal finance world. Get Money is filled with practical, actionable steps that will help you "get" money, in more ways than one."—ErinLowry, author of Broke Millennial: StopScraping By and Get Your Financial Life Together
  • "Kristin Wong's book is perfect for anyone [who is] just starting out in their personal finance journey and is looking for some actionable steps to take. And I really do mean actionable, because Kristin wrote her book in a way that will get you thinking and then doing!"—Jessica Moorhouse, host of the "Mo' Money Podcast"
  • "Most money books are boring and stale. Not this one. Kristin Wong's Get Money is both funny and wise, packed with practical tips for how to play the game of money--and win. If you want to take your financial life to the next level, you need this book!"—J.D. Roth, founder of Get Rich Slowly and author of Your Money: The Missing Manual
  • "Every few years a personal finance book is written that transcends all others published before it, and Get Money is that book! Don't let the lighthearted approach to finances fool you, Get Money is a smart, fun, and detailed guidebook to your financial life. Kristin Wong takes complex and dry money facts and turns them into engaging lessons. Get Money covers many personal finance topics without complication. It's a great mix of information, personal stories, expert advice, and assignments that will help you live the life you want!"—Jason Vitug, bestselling author of You Only LiveOnce: The Roadmap to Financial Wellness and a Purposeful Life
  • "It's difficult to be both detailed and engaging when talking about personal finance, but Kristin Wong has found the sweet spot. Not only is Get Money packed with valuable information on how to improve your finances, but it makes it easy for readers to take action. If you want to get serious about your money, you need to read this book."—DavidCarlson, founder of Young Adult Money and author of Hustle Away Debt
  • "Get Money goes beyond the step-by-step breakdown of what you should be doing with your money and shows you the why and the how behind each part of the process, so that you don't just know what to do--save, invest, pay down debt, etc.--but you also make the mindset shifts and behavioral changes to actually DO it! Kristin reminds us that paying attention to our personal finances isn't really about money at all, but rather about making sure that we can do what we want to do, experience what we want to experience, and live the way we want to live. In Get Money, she lays out the roadmap for doing just that!"—StefanieO'Connell, millennial money expert, speaker, and author of The Broke and Beautiful Life
  • "Get Money is full of everything you need to know to get started on your financial journey. Wong's style is smart, authoritative, personal, and funny, bringing some much-needed life to a typically dry topic like money. Throughout the book, she guides you step-by-step and helps you 'level up' to get your money in order. Not only that, but the interactive nature and the exercises make this book an essential tool for anyone looking to get money."—Melanie Lockert,author of Dear Debt: A Story About Breaking Up With Debt
  • "Well written in a tone that alternates between serious and humorous, Wong's timely, concise, and practical introduction is a quick and leisurely guide to modern financial literacy."—Booklist
  • "Wong speaks eloquently about how intricately a person's financial and emotional life are interconnected; the emotions involved, and not just the finances, must be managed in order to make any progress.... [She] shines in her encouraging direction to figure out financial priorities to accomplish personal goals."—Publishers Weekly

On Sale
Mar 27, 2018
Hachette Audio

Kristin Wong

About the Author

Kristin Wong regularly writes about personal finance, career, and human behavior for Lifehacker, the New York Times, and New York Magazine. She’s also written about the economy for NBC News, and her work has been featured in Business Insider, Forbes, and MSN Money. She has produced online videos about Millennials and money for companies like Fidelity and Kristin has also won awards from the Society of Professional Journalists, LA Web Fest, and the Worldfest International Film Festival. She lives in Los Angeles, CA.

Learn more about this author