My grandmother was extremely smart when it came to money, but she also worried a lot about not having enough. So it's with her in mind that I aim to explain complicated financial things so the folks like her won't be afraid to make certain money moves.

My experience may be different than theirs, readers can identify with trying to save for retirement or their own kid's college fund. In truth, the name of the column, "The Color of Money," has less to do with my race than the fact that the color of money is green and it's green we all need to live a good life.

You are NOT a financial failure if you rent. You are getting something for your money. A roof over your head.

Always keep an eye out for other opportunities.

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

I use a "Debt Dash" approach to paying off debt. I recommend people focus on paying off the debt with the lowest balance first. So if the primary has less debt you would focus on that.

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