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

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.

Once you finish paying for college you could reduce your life insurance.

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

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 made a decision given your life circumstances and you have to be ok with that. Regrets that can't be change is just torturing yourself.

I understand and respect people who say they want to boycott the Trump brand. I also respect your right to buy his products. But what you miss is that no one in public office, Hilary or Trump should use that platform to profit themselves. In Trump's case there are serious concerns about the conflict of interest in his brand and business ownership. Do we really want a president who had products he can push while working for the American people?