When it comes to spending money, there are five facts that cannot be ignored. Mary Ann Kizer, Jefferson County Family and Consumer Sciences Agent, and Dot Hart, Arkansas Extension Homemakers Cares – Mental Health and Well-Being Chairman and National Volunteer Outreach Network Vice-President for 9 states, share those important facts that every consumer needs to know and offer some wise tips for making money decisions based on the “Buyerarchy of Needs.”