That is especially important as more young people must take on huge debt loads to go to college.

Balancing your money is the key to having enough.

Refinancing won't fix everything that's broken with our [American] higher education system. We've got to bring down the cost of college. And we need more accountability for how schools spend federal dollars.

Get your money in balance. One rule of thumb is 50/30/20. Spend about 50% of your money on must-haves - things like rent, car payments - and about 30% on wants, while 20% should go toward savings and paying down debt.

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.

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

I love the work I do.