Yes, Jennifer Love Hewitt does see dead people -- every week in the hit CBS show the "Ghost Whisperer."

"Love" as she is known to friends and family, has enjoyed a long and fulfilling career with roles in "I Know What You Did Last Summer," "Can't Hardly Wait," "The Suburbans," "Sister Act 2," and the ABC TV movie, "The Audrey Hepburn Story."

Other small screen projects brought her into millions of American homes, including "Party of Five," "American Dreams," "Time of Your Life," and the current "Ghost Whisperer."

Hewitt has supplemented her income by endorsing products, first L.A. Gear, then Neutrogena, and for the past two years, Hewitt has been the Hanes spokesmodel.

The actress became engaged to Scottish actor Ross McCall, whom she met on the set of "Ghost Whisperer."

Bankrate: You're 29 years old now, so how does your life differ from when you were a teen to the woman you are today?

Jennifer Love Hewitt: I hope I've learned a little bit more. I hope I'm somewhat wiser. I hope I've been able to save and invest wisely for the future.

I think the biggest thing that has changed as far as my work has gone is I enjoy it so much more because I understand what it is and what it means. I think I have such a greater appreciation for what it is that I get to do everyday and where I find myself in my life.

When I was 16 and was on a show considered a hit, that was cool, but it wasn't as cool as the cute boy I had seen that day or the new album by my favorite band. I was a teenager and those were the things that were important. Now being a woman and looking back on it, I have a greater appreciation and I find myself in awe of the fact that I'm on a show that's considered a hit and I'm actually able to make a living at this.

Bankrate: As Melinda on "Ghost Whisperer," you come across ghosts every week and kind of run with it. In your real life, what are you afraid of?

Jennifer Love Hewitt: I'm afraid of everything! I'm a big scaredy-cat, absolutely. I'm not a great flier; I'm afraid of heights. I'm claustrophobic slightly and I hate snakes. I think hot pants are terrifying. As far as ghosts, I do wonder sometimes. I'm on the show every day and wonder if I saw a real ghost if I'd be afraid ... probably not. Then I think maybe I would pee my pants if I did, so I don't know what would happen.

Bankrate: Do you believe in ghosts?

Jennifer Love Hewitt: Yes, I definitely do. I don't know if the ones I believe in are the ghosts that you see on the show, with clothes and walking around. But I definitely believe there are certain energies of people around us that are trying to get us messages.