I've decided to keep working until my last kid is thu college.

You are rich if you have enough to meet your most basic needs. You are rich if you have access to clean water, food, shelter, love, a roof over your head.You have to count your blessings to see that you are richer than you think.

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

I understand why many are still poor or struggling to make just a middle-income lifestyle. I'm a fiscal conservative, but I also have compassion for people who make financial mistakes.

The sad thing is many people learn how to manage money after they've made a lot of financial mistakes, some that take decades to fix.

[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.

My husband and I are pretty good at leaving money alone until we need it for what we've saved it for.