Absolutely invest in retirement. You can always get a loan to get kids through school. I do not know of any loans to get you through retirement. The markets are seriously low from where they were (even though they've gone up 30 percent recently). Now is the time to be dollar cost averaging; the more money you put in, the more shares you buy. Save for your retirement, people.

Don't let what others think or say get in your way; their actions reflect on them, not you.

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

If you're financially responsible, your children have a much better chance to grow up financially responsible.

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

Thoughtful financial planning can easily take a backseat to daily life.

A wise woman recognizes when her life is out of balance and summons the courage to act to correct it, she knows the meaning of true generosity, happiness is the reward for a life lived in harmony, with a courage and grace.