The administration [ of Barack Obama ]says I`m wrong, that there`s nothing to worry about. They say the deal is nearly done, and they are making a lot of promises about how the deal will affect workers, the environment and human rights - promises. But people like you can`t see the actual deal.

The game is rigged to work for those who already have money and power.

You have two pages, that's the whole credit card agreement. The terms are clear and flat and easy to see so anyone can read them. So you could lay four credit cards in front of you and say, 'Oh, that's the one that has the highest rate, that's the one that has the really scary provision that could hurt me.'

The bankers might not have said it in so many words, but gradually their strategy emerged: Target families who were already in a little trouble, lend them more money, get them entangled in high fees and astronomical interest rates, and then block the doors to the bankruptcy exit if they really got in over their heads.

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.

Donald Trump is a threat to who we are as a people.

There's a lot of research on the shift in who deals with money when families get in trouble. In good times, husbands handle the family's finances about 80 percent of the time. But when times turn sour and families start dealing with creditors and managing unpayable bills, women take more active roles.