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

Kids can and are a blessing. But plenty of people without kids live and die just as happy.

Money may not be able to buy you love, but conflicts about it can certainly bankrupt your relationship.

My grandmother's grandparents were slaves. My grandmother Big Mama would tell me about the stories she heard as a child growing up in the shadows of a North Carolina plantation. It's only been in my lifetime that blacks have had the right to vote, live in certain areas or hold certain jobs. It is with this black history that I write about the financial challenges African-Americans still have.

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

Always keep an eye out for other opportunities.

I knew I had found my life's passion after writing my first column for The Washington Post. The response was like nothing we had seen in the business section. Everyday people were writing that finally someone was speaking to them in a way that was understandable. I think we were all shocked at how many readers wrote in to say that they too had a Big Mama who taught them about money.