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.

Save what you can toward the emergency and life happens fund. But don't worry yourself sick at the slow growth. The point is it's growing even it's just one dollar at at time.

My kids have to maintain good grades. They have to be involved in activities. They have to report to me how thing are going. I watch for any activity that would steer them wrong - drinking, drugs, etc. So their skin in the game is knowing the money won't be there if they don't do their part.

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.

My writing is definitely influenced by and speaks to African-Americans because that is who I am. I'm black. I'm a black woman. I'm a black mother, wife, churchgoer, etc. I am the legacy of slavery.

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

You are rich if you have enough to meet your most basic needs. You are rich if you have access to clean water, food, shelter, love, a roof over your head.You have to count your blessings to see that you are richer than you think.