There are some dark days when I do receive some racist mail or emails. But overall the response to me has been very positive. Readers relate to me not just as an African-American, but as an American trying to make sense of her personal finance, just like them.
Michelle SingletaryRemember 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.
Michelle SingletaryMany 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.
Michelle SingletaryWhen you give people who are being financially responsible money, you are enabling them to continue a bad habit. So you are actually helping by saying, "Love you but no."
Michelle Singletary