Light has a way of keeping people honest.

The key to making sure your credit stays good is paying the bill on time. If you are paying the balance off even if there is something on the card in recent purchases, you are good.

I love teaching people how to handle their money and I've built a brand on that skill.

That's is life. You move and change according to things that happen to you and things that you make happen because of poor choices.

I think you can save and spend to live for however long you live. You just have to be flexible if things don't go as plan.

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.

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.