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 write for people who are good money managers and want to know how to be even better stewards over their money.

There's nothing wrong with having a 9-to-5 job, but figure out a way to have another stream of income.

You know me and I have a pension. It provides some comfort but only some. It's still not enough to live off completely but it sure will help. But I'll say this. I try to forget about it and save like a maniac because I want the assurance of having other pots of money.

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 sad thing is many people learn how to manage money after they've made a lot of financial mistakes, some that take decades to fix.

It's why this election was HORRIBLE. It was either Hilary is the devil and Trump a saint. Or Trump the devil and Hilary a saint. Can't we all have a decent, civil conversation without throwing "shade?"