There's nothing wrong with having a 9-to-5 job, but figure out a way to have another stream of income.

We all fall - even me.

My kids have to maintain good grades. They have to be involved in activities. They have to report to me how thing are going. I watch for any activity that would steer them wrong - drinking, drugs, etc. So their skin in the game is knowing the money won't be there if they don't do their part.

The schools can't cover all the values that go along with how you handle your money. For example, a financial literacy class might not teach me to hate debt the way my grandmother, Big Mama did.

There's nothing wrong with having a 9-to-5 job, but figure out a way to have another stream of income.

So many people joke that life with me - a professed lifelong penny pincher - must be tough. But [my husband] is a great money manager. And he helps me let go of my fear of spending while still being frugal.

Having kids doesn't mean they would have taken care o you.