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.

The number of those 19 to 25 with private insurance increased from 51 to 55.8 percent, and the percentage of uninsured fell from 33.9 percent in 2010 to 28.8 percent during the first half of 2011.

My first piece of career advice is find your gifting. Find the thing that you are skilled at and figure out if you can make a living doing it.

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

We have to protect ourselves by doing our own homework.

If you haven't saved, your child may have to work. But do what you can to NEVER take out student or parent loans.

I'm not a fan of debt consolidation. In my experience, many people "clear" credit cards and other debt to get the one payment and never change what they need to change to prevent getting into debt again.