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

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.

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

I've found that when you can quickly knock out debt you get motivated because you see progress. Then you attack the other debt so fast that even if it's at a higher interest rate, you don't end up paying much more because you've gotten rid of it.

I usually find that my gut doesn't steer me wrong when it comes to my money!

Don't let people scare you from a career that may not net you a six figure salary. If you want to be a teacher, teach. But knowing that your salary may only reach a certain level, do all that you can to become the best money manager you can be.

A foreclosure does not define you financially.