You know me and I have a pension. It provides some comfort but only some. It's still not enough to live off completely but it sure will help. But I'll say this. I try to forget about it and save like a maniac because I want the assurance of having other pots of money.

When 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."

If you'll have enough saved and nobody has to take on debt and you want to retire, shoot go for it.

I love teaching people how to handle their money and I've built a brand on that skill.

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.

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

The sad thing is many people learn how to manage money after they've made a lot of financial mistakes, some that take decades to fix.