Many debt collectors offer a lump sum option so ask. And if you get it, make sure it's in writing and you keep the payoff statement FOREVER.

My rule is when in doubt hire a professional. You could do it just this year and then you have direction to resume doing it yourself after the consultation. What you don't want is to do it wrong and be hit by a huge tax bill. Remember the old saying, "Don't be pennywise and pound foolish."

The rich are depressed because they realize their money can't buy them out of their issues.

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

Policy changes like what you desire come from our politicians. So let them know what you think.

We have to protect ourselves by doing our own homework.

Many debt collectors offer a lump sum option so ask. And if you get it, make sure it's in writing and you keep the payoff statement FOREVER.