When you are starting out in your 20s, it is natural to think about all that you will have and do once you start making money, and making more money. That gives money way too much power over your life. It's not about how much you make, but the life that you make with the money you have.

Every time you overhear something hurtful, I want you to do something kind for someone else.

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

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.

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

Messages about money are passed down from generation to generation, worn and chipped like the family dishes.

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.