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The moral to these horror stories is that if your Social Security number is stored on any computer anywhere, hackers will find a way to access it, or a compromised or disgruntled employee may well walk out the door with it.

But also because I think one of the biggest barriers to advancing in our lives monetarily is this psychological barrier that we have, telling ourselves what we’re worth, what our skills are worth, what we deserve.

Hoff: So first, let’s get to know you a little bit, because your life has been fascinating.

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Before being seated, present the waiter with your credit card, saying you'll be responsible for the bill.Hackers even listened in on a phone call in which the FBI and Scotland Yard were discussing the criminal investigation against those very same hackers!And, these incidents are only the crumbs on top of the coffee cake when you consider that hackers and thieves have improperly accessed more than 600 million consumer files since 2004.At least from what I understand when I’ve read about you. As much as you’re comfortable sharing, can you tell us a little bit about what your personal journey has been like, and how you were able to come out on the other side fighting and winning?You’ve definitely confronted your own demons, and dealt with a lot of instability in your life. Lapin: Well, first of all, thank you so much for those kind words. And I don’t think mine is particularly extraordinary, but the idea that I was born with a silver spoon in my mouth couldn’t be farther from the truth.For additional information, please see our returns policy.