Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings.

Imagine you waking up tomorrow and you can't get a bank account; you can't get a credit union account. Everything has gone away and you're now living in poverty.

If you're going to live in the house make it your goal to just pay off your mortgage.

Once your kids are grown and you know that you're completely healthy, consider canceling your life insurance policy.

It's better to do nothing with your money than something you don't understand.

Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card.

Oprah deserves the best. I am not the best when it comes to divorce. What do I know about divorce? Nothing at that time.