I knew I had found my life's passion after writing my first column for The Washington Post. The response was like nothing we had seen in the business section. Everyday people were writing that finally someone was speaking to them in a way that was understandable. I think we were all shocked at how many readers wrote in to say that they too had a Big Mama who taught them about money.

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

I just don't like people taking debt into retirement.

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.

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."

Once you finish paying for college you could reduce your life insurance.

Having fun time is a good use of your money.