There are other ways to motivate students than requiring them to take on debt or work long hours taking away from their studies. For example, we don't allow our kids to work during the school hours their freshman year. After that, they can work a little but not so much that it hurts their education.

Priorities lead to prosperity.

There are some dark days when I do receive some racist mail or emails. But overall the response to me has been very positive. Readers relate to me not just as an African-American, but as an American trying to make sense of her personal finance, just like them.

The schools can't cover all the values that go along with how you handle your money. For example, a financial literacy class might not teach me to hate debt the way my grandmother, Big Mama did.

You need to know everything. You both need to be comfortable with sharing everything. If you can't you are NOT ready to get married.

You are NOT a financial failure if you rent. You are getting something for your money. A roof over your head.

Always keep an eye out for other opportunities.