About the Authors

HeadShotHEIDI CLINGEN has been a journalist, editor, and writer for the past 25 years, including staff and editing positions at fashion trade and consumer publications including The Apparel News Group, The San Francisco Business Journal, and The Wall Street Journal, where she received a Dow Jones Foundation Fellowship. Heidi holds a bachelor’s degree in journalism, magna cum laude, from San Francisco State University; a certificate in grant writing from The Grantsmanship Center Institute in Los Angeles; and a certificate in screenwriting from University of California, Los Angeles.

She also has a background in retail and public relations and currently devotes her time to researching and speaking about how to live well on a modest income. Heidi has two sons and lives with her husband Bill in Valencia, California. You can find out more about Heidi at www.Allwritey.com



Sam Pic

Sam Freshman, a Stanford Law School educated attorney, has dedicated his professional life to being an attorney, banker, business owner, real estate developer, investor, author, columnist, and lecturer. He is chairman of Stanford Professionals in Real Estate (SPIRE), has been Adjunct Professor of Real Estate Law at the Graduate School of Business at University of Southern California. He has lectured extensively on real estate investments for bar associations, accountant societies, and at Pepperdine University, University of Southern California, University of California Los Angeles, and Stanford University.



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Your partners in savings success,
Heidi and Sam
Authors of: The Smartest Way to Save: Why You Can’t Hang on to Money and What to Do About It