Don't let people scare you from a career that may not net you a six figure salary. If you want to be a teacher, teach. But knowing that your salary may only reach a certain level, do all that you can to become the best money manager you can be.

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

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

You shouldn't invest the money if you are looking to use it within five years. Too much risk.

Light has a way of keeping people honest.

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

You need to know everything. You both need to be comfortable with sharing everything. If you can't you are NOT ready to get married.