The financial services industry has seemed to treat the crisis like a little rainfall - inconvenient, but no significant changes needed. The real question moving forward is how the industry will respond to Wall Street reform and growing public anger.

My response [to fear of being poor]was to study contracts, finance, economics, to plan, to have a goal, to work on that goal. To learn everything I could. I always poked at the things that scared me most.

Once kids get older, the list is longer. So here goes: Stay out of debt. Sometimes debt is necessary, to buy a home or to get an education, but not to buy a sweater or to eat out.

What do the Republicans say? Donald Trump? They say they're just going to roll back the Dodd-Frank regulations. They want to undermine the Consumer Financial Protection Bureau.

[My grandkids] are 5, 10, and 15. While they're young and still at home, I think it's all about learning the value of money.

Both [of my granddaughters] Octavia and Lavinia have May birthdays. I've just been birthday shopping with them. But the shopping has a budget. I say, "Okay, if you pick this out, then you'll have how much left?" I wait for them to do the calculation, and they'll say, "$18." And we stand there and talk about, hmm, is that sweater really worth that much? And the girls work it through.Doing that takes away some of the magic of money.

All three [of my grandkids] earn money around the house, and all three spend their own money. Now I've noticed that when they have to spend their own money on birthday cards, they have decided that homemade cards are so much nicer.