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.

There's nothing wrong with having a 9-to-5 job, but figure out a way to have another stream of income.

You made a decision given your life circumstances and you have to be ok with that. Regrets that can't be change is just torturing yourself.

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.

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

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

You know me and I have a pension. It provides some comfort but only some. It's still not enough to live off completely but it sure will help. But I'll say this. I try to forget about it and save like a maniac because I want the assurance of having other pots of money.