Aired 07/18/09 JONATHAN CLEMENTS is Director of Financial Guidance for Citi Personal Wealth Management. Before joining Citi in April 2008, Jonathan spent 18 years at The Wall Street Journal, where he was the newspaper's award-winning personal-finance columnist. Between October 1994 and April 2008, he wrote 1,009 "Getting Going" columns for the Journal and for The Wall Street Journal Sunday, a special section carried in some 70 newspapers around the country. Prior to joining the Journal in January 1990, he covered mutual funds for Forbes magazine. Jonathan has written four books and contributed to two others. His latest is The Little Book of Main Street Money: 21 Simple Truths that Help Real People Make Real Money, published by John Wiley & Sons in 2009. He has appeared on ABC's Good Morning America, CNBC, CNN, Fox News Channel, MSNBC, NBC's Today Show and Consuelo Mack WealthTrack, and is an occasional guest on public radio. http://www.jonathanclements.com