We all only have a certain amount of money and that means yes, we have to make choices and sometimes those choices mean we don't get what we want.

I use my financial values to set my limitations. I have three children I want to put through college debt free. So that means I can't spend wildly or with disregard.

I'm keenly aware of how important it is to set a good example. You may not think that your kids are paying attention to you, especially with something like money, but they probably are.

My husband and I are pretty good at leaving money alone until we need it for what we've saved it for.

You shouldn't invest the money if you are looking to use it within five years. Too much risk.

That's is life. You move and change according to things that happen to you and things that you make happen because of poor choices.

I've decided to keep working until my last kid is thu college.