The key to making sure your credit stays good is paying the bill on time. If you are paying the balance off even if there is something on the card in recent purchases, you are good.

You still need to save but being debt-free in retirement is and should be a goal.

You can't time the market.

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

There's nothing wrong with having a 9-to-5 job, but figure out a way to have another stream of income.

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

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.