I'm keenly aware of how important it is to set a good example. You may not think that your kids are paying attention to you, especially with something like money, but they probably are.

I usually find that my gut doesn't steer me wrong when it comes to my money!

We all fall - even me.

I love teaching people how to handle their money and I've built a brand on that skill.

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

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."