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."

That's is life. You move and change according to things that happen to you and things that you make happen because of poor choices.

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.

We all only have a certain amount of money and that means yes, we have to make choices and sometimes those choices mean we don't get what we want.

You made a decision given your life circumstances and you have to be ok with that. Regrets that can't be change is just torturing yourself.

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.

My Big Mama is my No. 1 financial role model. Much of my advice stems from what she taught me. She never made more than $13,000 a year, yet she paid off her home before she retired. She saved money from every paycheck. She taught me to be skeptical. It makes me cry to think that I'm a nationally syndicated personal finance columnist for one of the world's best newspapers and my core advice comes from my black grandmother who was a nurse's aide with just a high school education.