Cut back your spending now.

What women need to understand is that you cannot save a child if you can't save yourself.

The truth is that you are nothing more than the custodian of your inner and outer wealth while you are on this planet. All you have to decide is what kind of custodian do you want to be? Do you want to be a good custodian of your inner and outer wealth? Or a bad custodian?

When you're happy you find pure joy in your life. There are no regrets in this state of happiness - and that's a goal worth striving for in all areas of your life.

If you wait until your children are high school seniors to spring it on them that there's not a whole lot of money for school, they won't have too many options.

Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score.

What happens to your money directly affects the quality of your life -- not your stockbroker's life or your banker's life, but YOUR life.