The schools can't cover all the values that go along with how you handle your money. For example, a financial literacy class might not teach me to hate debt the way my grandmother, Big Mama did.

I will just say, no matter where you buy the car, do your homework. When I purchase a car I come in with a folder an inch thick. In fact, one time the auto sales person asked if he could copy my research!

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

A foreclosure does not define you financially.

You shouldn't invest the money if you are looking to use it within five years. Too much risk.

I also admire my pastor, John K. Jenkins Sr. (First Baptist Church of Glenarden). My pastor taught me the importance of tithing and giving back, that it has to be at the top of my budget. And he is one of the most generous folks I know.

We have to protect ourselves by doing our own homework.