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."

I also admire my pastor, John K. Jenkins Sr. (First Baptist Church of Glenarden). My pastor taught me the importance of tithing and giving back, that it has to be at the top of my budget. And he is one of the most generous folks I know.

Remember life insurance is intended as income replacement to help dependents and or/spouse pay for things that your income would have covered. When you get to the point that you're dependents (Your kids mostly) aren't dependent on your income, you could reduce the amount of life insurance you are carrying.

You'll feel better when you get all that debt off your back.

[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.

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

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