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.

If we don't want the companies to cheat on us, we shouldn't be cheating on them.

My rule is when in doubt hire a professional. You could do it just this year and then you have direction to resume doing it yourself after the consultation. What you don't want is to do it wrong and be hit by a huge tax bill. Remember the old saying, "Don't be pennywise and pound foolish."

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

Light has a way of keeping people honest.

Not all Trump supporters are bigots. They believe he had something to offer. I may disagree. You may disagree but we need to be civil to each other. Use the facts to make your point. I had read that the clothes made by some of the brands use sweatshops. Facts folks not feelings. We all have to live with each other and our choices.

I use a "Debt Dash" approach to paying off debt. I recommend people focus on paying off the debt with the lowest balance first. So if the primary has less debt you would focus on that.