You can't time the market.

You are NOT a financial failure if you rent. You are getting something for your money. A roof over your head.

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.

If you haven't saved, your child may have to work. But do what you can to NEVER take out student or parent loans.

Always keep an eye out for other opportunities.

Having fun time is a good use of your money.

I write for people who are good money managers and want to know how to be even better stewards over their money.