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

If you haven't saved, your child may have to work. But do what you can to NEVER take out student or parent loans.

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

I like the idea of having a paperless society.But to be paperless means you have to be so careful with your identity.

I'm driving my old car until I'm on a first name basis with the low tow truck drivers!

I use a "Debt Dash" approach to paying off debt. I recommend people focus on paying off the debt with the lowest balance first. So if the primary has less debt you would focus on that.

My experience may be different than theirs, readers can identify with trying to save for retirement or their own kid's college fund. In truth, the name of the column, "The Color of Money," has less to do with my race than the fact that the color of money is green and it's green we all need to live a good life.