The way to build your savings is by spending less each month.

I love, love, love that you want to use your debit card. But to keep your credit score solid, you still need to keep a few credit cards and use them at least once every few months.

Take free money. No matter how in debt you are, if your employer offers a matching contribution on a 401(k) or other retirement vehicle, you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus.

No well-planned retirement should be without long term care insurance. It is the very cornerstone of retirement security.

To enjoy a long, comfortable retirement, save more today.

Money is such an amazing teacher: What you choose to do with your money shows whether you are truly powerful or powerless.

Absolutely pay off credit card debt. If you're not getting a match in your 401(k) and you've got credit card debt, you've got to get yourself out of credit card debt. When you get out of credit card debt, your credit score goes up and interest starts to go down.