You are rich if you have enough to meet your most basic needs. You are rich if you have access to clean water, food, shelter, love, a roof over your head.You have to count your blessings to see that you are richer than you think.

You know me and I have a pension. It provides some comfort but only some. It's still not enough to live off completely but it sure will help. But I'll say this. I try to forget about it and save like a maniac because I want the assurance of having other pots of money.

Save what you can toward the emergency and life happens fund. But don't worry yourself sick at the slow growth. The point is it's growing even it's just one dollar at at time.

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 like the idea of having a paperless society.But to be paperless means you have to be so careful with your identity.

When you give people who are being financially responsible money, you are enabling them to continue a bad habit. So you are actually helping by saying, "Love you but no."

I also admire my pastor, John K. Jenkins Sr. (First Baptist Church of Glenarden). My pastor taught me the importance of tithing and giving back, that it has to be at the top of my budget. And he is one of the most generous folks I know.