Never try to time the bond market. Anyone who claims to know the future of interest rates is certifiable.

It's daring and challenging to be young and poor, but never to be old and poor. Whatever resources of good health, character, and fortitude you bring to retirement, remember, also, to bring money.

Everyone can get a little sloppy with cash and it's smart to notice. But what's squeezing you is the big stuff you ladle onto your credit cards.

Auto insurance is a toll bridge, over which every honest driver has to pass.

Never try to time the bond market. Anyone who claims to know the future of interest rates is certifiable.

A faithfully kept program of savings and conservative investments can give you more money and a better life than that of your neighbors who spend everything they get. This is probably the oldest financial advice in the world, but there are some things you can't improve on.

You get the most out of what you need the least.