At the Heart of Money, LLC is an organization born out of a desire to help people understand themselves and their money to reduce stress in their lives.  It is a fresh, new approach to creating an individual money plan that works.  

We are convinced that behind closed doors all across America, too many people are stressed to the “max” by money.  Too many people work in jobs they don’t love because they are restrained by the golden handcuffs.  Too many marriages fail because of money.  We know because we, like you, face the same struggles every day.

Our story is woven throughout the book, At the Heart of Money.  We are normal people, just like you.  Our passion stems from the dream that these simple truths will positively impact you.  This book is designed to be simple because money is simple.  Life has too much to offer to allow the frustration of money to steal your dreams.  

To state it simply: it’s not about the money. What we commonly blame as money stress has very little to do with money. Stress arises from the issues behind the money. We spend money to fill voids but the real voids cannot be filled with anything money can purchase. We misuse money because of peer pressure, consumerism or entitlement.  This is the Bermuda Triangle of Finance.  Legends report that ships, planes and unaware travelers venture too close to the triangular area near Bermuda and apparently, drawn by some undetected force, disappear. The Bermuda Triangle of Finance is also a mysterious phenomenon.  People approach it unaware there is a force that can consume them. The triangle is composed of peer pressure, consumerism and entitlement. This is the power of the culture.  

Another concept presented throughout At the Heart of Money is the importance of living a balanced life.  Exercises are included to help the reader determine where their time, energy and money is out of balance.

What others have said about At the Heart of Money:

“Melvin Spain’s logical thoughtful process has served thousands of clients well as they have worked with him on their financial management. Now he has put on paper the information you need to begin developing priority budgets and family centered spending plans.”
—Marsha Blackburn, Member of Congress

“If you are interested in discovering your core values in regard to finances, Melvin gives clear direction with personal experiences that will lead you to a balanced and healthy approach to handling money.”
—Darrell and Stevie Waltrip, Three-time NASCAR champion and television sports commentator

“In their book, At the Heart of Money, Melvin and Edie Spain remind us of what is often missed in all of our failed attempts at budgeting; the heart. Their approach is both practical and holistic.”
—Michael and Susan Card, Contemporary Christian writer and musician


About Melvin and Edie Spain

The Spains have been married for over 25 years. Melvin is a CPA who practices in Franklin, Tennessee, at Spain and Higginbotham. He has specialized in tax and financial matters for individuals and businesses. Edie worked as a department store buyer and taught as an adjunct faculty member at a design school. For several years, Melvin and Edie worked together in the accounting firm and counseled couples and single adults about financial matters. They have seen how the mismanagement of money can bring frustration and stress into lives and relationships. They live near Nashville, Tennessee, and are the parents of one adult son, Trey.
Vision Statement for At the Heart of Money

The purpose of At the Heart of Money is to challenge, transform and renew how the reader thinks and feels about money by leading them through the discovery of who they are, what they value, and how this relates to their financial path.

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