We have to protect ourselves by doing our own homework.

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.

There are some dark days when I do receive some racist mail or emails. But overall the response to me has been very positive. Readers relate to me not just as an African-American, but as an American trying to make sense of her personal finance, just like them.

Once you finish paying for college you could reduce your life insurance.

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.

Always keep an eye out for other opportunities.

Money may not buy love, but fighting about it will bankrupt your relationship.