My experience may be different than theirs, readers can identify with trying to save for retirement or their own kid's college fund. In truth, the name of the column, "The Color of Money," has less to do with my race than the fact that the color of money is green and it's green we all need to live a good life.

I will just say, no matter where you buy the car, do your homework. When I purchase a car I come in with a folder an inch thick. In fact, one time the auto sales person asked if he could copy my research!

I'm not a fan of debt consolidation. In my experience, many people "clear" credit cards and other debt to get the one payment and never change what they need to change to prevent getting into debt again.

You are rich if you have enough to meet your most basic needs. You are rich if you have access to clean water, food, shelter, love, a roof over your head.You have to count your blessings to see that you are richer than you think.

Policy changes like what you desire come from our politicians. So let them know what you think.

The key to making sure your credit stays good is paying the bill on time. If you are paying the balance off even if there is something on the card in recent purchases, you are good.

I like the idea of having a paperless society.But to be paperless means you have to be so careful with your identity.