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 rich are depressed because they realize their money can't buy them out of their issues.

Set up rules for when you will "give" not lend money. Never lend. My people know that I'll help with college. I'll help if they lose they job thu no fault of their own.

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

We have to protect ourselves by doing our own homework.

Not all Trump supporters are bigots. They believe he had something to offer. I may disagree. You may disagree but we need to be civil to each other. Use the facts to make your point. I had read that the clothes made by some of the brands use sweatshops. Facts folks not feelings. We all have to live with each other and our choices.

You are NOT a financial failure if you rent. You are getting something for your money. A roof over your head.