So many people joke that life with me - a professed lifelong penny pincher - must be tough. But [my husband] is a great money manager. And he helps me let go of my fear of spending while still being frugal.

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

[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.

You'll feel better when you get all that debt off your back.

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

I love teaching people how to handle their money and I've built a brand on that skill.

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.