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.

If we aren't careful, our children will come down with 'affluenza,' a disease that causes them to confuse wants and needs. We need to teach our children what my grandmother taught me: Think twice about spending money you don't have on things you don't need to impress people you don't like anyway.

We know intellectually that money can't buy happiness yet we spend and go into debt as if it does.

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.

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

You are rich if you have enough to meet your most basic needs. You are rich if you have access to clean water, food, shelter, love, a roof over your head.You have to count your blessings to see that you are richer than you think.

Always keep an eye out for other opportunities.