Policy changes like what you desire come from our politicians. So let them know what you think.

I also admire my pastor, John K. Jenkins Sr. (First Baptist Church of Glenarden). My pastor taught me the importance of tithing and giving back, that it has to be at the top of my budget. And he is one of the most generous folks I know.

Remember life insurance is intended as income replacement to help dependents and or/spouse pay for things that your income would have covered. When you get to the point that you're dependents (Your kids mostly) aren't dependent on your income, you could reduce the amount of life insurance you are carrying.

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?

I use my financial values to set my limitations. I have three children I want to put through college debt free. So that means I can't spend wildly or with disregard.

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

We have to protect ourselves by doing our own homework.