Dr. Heidi Beckman is a licensed clinical psychologist and certified educator in personal finance who works in the specialty area of health psychology at a large academic medical center. She is passionate about understanding what helps people change so that they can lead lives that are physically, emotionally, and financially healthy. She reads the research literature on motivation, persistence, and impulse control and then applies it to everyday problems. Over the past fifteen years, she has delivered numerous presentations on willpower and personal change to medical patients, members of the community, and professional audiences.