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.

If we aren't careful, our children will come down with 'affluenza,' a disease that causes them to confuse wants and needs. We need to teach our children what my grandmother taught me: Think twice about spending money you don't have on things you don't need to impress people you don't like anyway.

That's is life. You move and change according to things that happen to you and things that you make happen because of poor choices.

I write for anybody struggling to manage their money.

You made a decision given your life circumstances and you have to be ok with that. Regrets that can't be change is just torturing yourself.

We all fall - even me.

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.