Kids can and are a blessing. But plenty of people without kids live and die just as happy.

Having fun time is a good use of your money.

A smart couple with a healthy financial relationship is always talking about money and how they're handling it. If there's a medical emergency or a job loss, talk about it. If there's a windfall, talk about it. Your financial situation is a constantly changing thing.

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.

I write for anybody struggling to manage their money.

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