I write for anybody struggling to manage their money.

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

My grandmother's grandparents were slaves. My grandmother Big Mama would tell me about the stories she heard as a child growing up in the shadows of a North Carolina plantation. It's only been in my lifetime that blacks have had the right to vote, live in certain areas or hold certain jobs. It is with this black history that I write about the financial challenges African-Americans still have.

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

There are other ways to motivate students than requiring them to take on debt or work long hours taking away from their studies. For example, we don't allow our kids to work during the school hours their freshman year. After that, they can work a little but not so much that it hurts their education.

Kids can and are a blessing. But plenty of people without kids live and die just as happy.

I'm driving my old car until I'm on a first name basis with the low tow truck drivers!