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

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.

I just don't like people taking debt into retirement.

I think you can save and spend to live for however long you live. You just have to be flexible if things don't go as plan.

You still need to save but being debt-free in retirement is and should be a goal.

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's grandparents were slaves. My grandmother Big Mama would tell me about the stories she heard as a child growing up in the shadows of a North Carolina plantation. It's only been in my lifetime that blacks have had the right to vote, live in certain areas or hold certain jobs. It is with this black history that I write about the financial challenges African-Americans still have.