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.

It's so easy to focus on what could go wrong, on what else you could do before you try the thing you really want to do. No. Just get out there and try.

Look around. Oil companies guzzle down the billions in profits. Billionaires pay a lower tax rate than their secretaries, and Wall Street CEOs, the same ones the direct our economy and destroyed millions of jobs still strut around Congress, no shame, demanding favors, and acting like we should thank them. Does anyone here have a problem with that?

Say good-bye to Dodd-Frank and all of the financial reforms and efforts to try to rein in Wall Street. Just say good-bye to it. That means we can go where Wall Street gets to call the shots again. We saw how that worked out in 2008.

Paul Ryan looks around, sees three unemployed workers for every job opening in America, and blames the people who can't find a job.

Keep a little space in your heart for the improbable. You won't regret it.

If you have a choice between buying something and paying down your credit card, pay down your credit card.