You are NOT a financial failure if you rent. You are getting something for your money. A roof over your head.

I understand why many are still poor or struggling to make just a middle-income lifestyle. I'm a fiscal conservative, but I also have compassion for people who make financial mistakes.

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 grandmother was extremely smart when it came to money, but she also worried a lot about not having enough. So it's with her in mind that I aim to explain complicated financial things so the folks like her won't be afraid to make certain money moves.

The key to making sure your credit stays good is paying the bill on time. If you are paying the balance off even if there is something on the card in recent purchases, you are good.

I write for anybody struggling to manage their money.

[My grandmother] managed her money better than some financial professionals I know. I give credit always to her because she is the reason I have my column and national recognition.