This week on “Money Talks,” Managing Associate D.J. Barker, CWS®, and Associate Michael Griffin, CFP®, join Chief Investment Officer Troy Harmon, CFA, CVA, to discuss December employment, the ISM Nonmanufacturing index, and the FOMC minutes from their December meeting. D.J. and Michael discuss a common trend at the beginning of the year: getting one’s financial house in order. They discuss the ideal debt-to-income ratio and how it affects your ability to get a mortgage and your credit score. They also discuss how to improve your debt-to-income ratio. The experts round out the show answering listeners’ questions on Apple’s recent decline, whether putting student loans in deferment is a good idea during a tough time, and tips on selling a home.