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.

The schools can't cover all the values that go along with how you handle your money. For example, a financial literacy class might not teach me to hate debt the way my grandmother, Big Mama did.

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.

I'm driving my old car until I'm on a first name basis with the low tow truck drivers!

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

My first piece of career advice is find your gifting. Find the thing that you are skilled at and figure out if you can make a living doing it.

It's why this election was HORRIBLE. It was either Hilary is the devil and Trump a saint. Or Trump the devil and Hilary a saint. Can't we all have a decent, civil conversation without throwing "shade?"