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

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

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.

I write for anybody struggling to manage their money.

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.

My husband and I are pretty good at leaving money alone until we need it for what we've saved it for.

Save what you can toward the emergency and life happens fund. But don't worry yourself sick at the slow growth. The point is it's growing even it's just one dollar at at time.