I love teaching people how to handle their money and I've built a brand on that skill.

No matter who is in the White House, I just keep doing what my grandmother taught me. Hate debt. Save. The best any of us can do really.

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

That's is life. You move and change according to things that happen to you and things that you make happen because of poor choices.

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.

Set up rules for when you will "give" not lend money. Never lend. My people know that I'll help with college. I'll help if they lose they job thu no fault of their own.

You can't time the market.