I use my financial values to set my limitations. I have three children I want to put through college debt free. So that means I can't spend wildly or with disregard.

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

Light has a way of keeping people honest.

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

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.

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