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.

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.

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

[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.

If you'll have enough saved and nobody has to take on debt and you want to retire, shoot go for it.

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

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