Always keep an eye out for other opportunities.

Having kids doesn't mean they would have taken care o you.

Many debt collectors offer a lump sum option so ask. And if you get it, make sure it's in writing and you keep the payoff statement FOREVER.

[My grandmother] managed her money better than some financial professionals I know. I give credit always to her because she is the reason I have my column and national recognition.

Having a separate fund for the things in life that happen, helps keep the emergency fund in tact in case you lose your job or income.

I like the idea of having a paperless society.But to be paperless means you have to be so careful with your identity.

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