Author, Accredited Credit Counselor and Certified Personal and Family Finance Educator, Todd R. Christensen, MA is Director of Education for the National Financial Education Center at Debt Reduction Services Inc, a nationwide nonprofit credit counseling agency based in Boise, Idaho. Todd develops programs and produces materials that teach personal finance skills for all ages. He also serves as an elected member of the board of directors for the Association of Financial Counseling and Planning Education, has served as president of the Idaho Financial Literacy Coalition, and has served on the Council for Certification of the American Association of Family and Consumer Science. Having facilitated over a thousand workshops on the fundamentals of effective money management over the past decade, he based his first book,Everyday Money for Everyday People (2013), on the discussions, tips, stories and ideas shared by the thousands of individuals and couples in attendance. All that said, with four children at home, his favorite activities include family movie nights with popcorn and M&Ms and trips to the Oregon Coast with his wife, Wendy.