We know intellectually that money can't buy happiness yet we spend and go into debt as if it does.

A smart couple with a healthy financial relationship is always talking about money and how they're handling it. If there's a medical emergency or a job loss, talk about it. If there's a windfall, talk about it. Your financial situation is a constantly changing thing.

So many people joke that life with me - a professed lifelong penny pincher - must be tough. But [my husband] is a great money manager. And he helps me let go of my fear of spending while still being frugal.

I understand why many are still poor or struggling to make just a middle-income lifestyle. I'm a fiscal conservative, but I also have compassion for people who make financial mistakes.

I usually find that my gut doesn't steer me wrong when it comes to my money!

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

Policy changes like what you desire come from our politicians. So let them know what you think.