If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do.

People often panic when the markets go down and sell off their stocks - but then they aren't in the game when the markets are doing well.

Remember that in most cases, student loan debt is not dischargeable in bankruptcy. So you continue to pay it off anyway. Those who have very low interest rates (2-2.5 percent) on student loans and know everything is secure, great.

We never had it as rough as the kids have it today. Look at the price of a gallon of gas or a piece of real estate or a college education.

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.

Learn how to prioritize all your debt. And did you know student loan debt is the most dangerous debt any of us can have?

We women know how to take care of everybody so well. But the one person we have written out of the equation is us.