Having kids doesn't mean they would have taken care o you.

We all only have a certain amount of money and that means yes, we have to make choices and sometimes those choices mean we don't get what we want.

[My grandmother] managed her money better than some financial professionals I know. I give credit always to her because she is the reason I have my column and national recognition.

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.

We have to protect ourselves by doing our own homework.

Having kids doesn't mean they would have taken care o you.

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.