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.

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

We all only have a certain amount of money and that means yes, we have to make choices and sometimes those choices mean we don't get what we want.

I will just say, no matter where you buy the car, do your homework. When I purchase a car I come in with a folder an inch thick. In fact, one time the auto sales person asked if he could copy my research!

I usually find that my gut doesn't steer me wrong when it comes to my money!

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.

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