My first piece of career advice is find your gifting. Find the thing that you are skilled at and figure out if you can make a living doing it.

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.

My rule is when in doubt hire a professional. You could do it just this year and then you have direction to resume doing it yourself after the consultation. What you don't want is to do it wrong and be hit by a huge tax bill. Remember the old saying, "Don't be pennywise and pound foolish."

Money may not buy love, but fighting about it will bankrupt your relationship.

Having kids doesn't mean they would have taken care o you.

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.

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