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.

Sometimes your gut is right. And sometimes not.

Having a separate fund for the things in life that happen, helps keep the emergency fund in tact in case you lose your job or income.

There are other ways to motivate students than requiring them to take on debt or work long hours taking away from their studies. For example, we don't allow our kids to work during the school hours their freshman year. After that, they can work a little but not so much that it hurts their education.

You can't time the market.

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

No matter who is in the White House, I just keep doing what my grandmother taught me. Hate debt. Save. The best any of us can do really.