If we don't want the companies to cheat on us, we shouldn't be cheating on them.

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.

I like the idea of having a paperless society.But to be paperless means you have to be so careful with your identity.

I write for people who are good money managers and want to know how to be even better stewards over their money.

I've decided to keep working until my last kid is thu college.

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.

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.