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

At the end of your life, you cannot take a penny with you. So what is the object of money if you can't take it with you?

A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out.

The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track.

If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards.

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

We tend to focus on assets and forget about debts. Financial security requires facing up to the big picture: assets minus debts.