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

Having fun time is a good use of your money.

My grandmother's grandparents were slaves. My grandmother Big Mama would tell me about the stories she heard as a child growing up in the shadows of a North Carolina plantation. It's only been in my lifetime that blacks have had the right to vote, live in certain areas or hold certain jobs. It is with this black history that I write about the financial challenges African-Americans still have.

I think you can save and spend to live for however long you live. You just have to be flexible if things don't go as plan.

My experience may be different than theirs, readers can identify with trying to save for retirement or their own kid's college fund. In truth, the name of the column, "The Color of Money," has less to do with my race than the fact that the color of money is green and it's green we all need to live a good life.

Money may not buy love, but fighting about it will bankrupt your relationship.

You can't time the market.