You still need to save but being debt-free in retirement is and should be a goal.

Save what you can toward the emergency and life happens fund. But don't worry yourself sick at the slow growth. The point is it's growing even it's just one dollar at at time.

Not all Trump supporters are bigots. They believe he had something to offer. I may disagree. You may disagree but we need to be civil to each other. Use the facts to make your point. I had read that the clothes made by some of the brands use sweatshops. Facts folks not feelings. We all have to live with each other and our 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.

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

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

Having a separate fund for the things in life that happen, helps keep the emergency fund in tact in case you lose your job or income.