When you give people who are being financially responsible money, you are enabling them to continue a bad habit. So you are actually helping by saying, "Love you but no."

If you'll have enough saved and nobody has to take on debt and you want to retire, shoot go for it.

If we aren't careful, our children will come down with 'affluenza,' a disease that causes them to confuse wants and needs. We need to teach our children what my grandmother taught me: Think twice about spending money you don't have on things you don't need to impress people you don't like anyway.

You shouldn't invest the money if you are looking to use it within five years. Too much risk.

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 fall - even me.

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