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?

A cash advance on a credit card is one of the worst types of borrowing because the interest rate is typically 21 percent or more.

I love, love, love that you want to use your debit card. But to keep your credit score solid, you still need to keep a few credit cards and use them at least once every few months.

Just because you can afford it doesn't mean you should buy it.

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.

I have never been a fan of bond funds. Unlike a direct investment in an individual bond that you can hold to maturity and be assured you will get your principal back (assuming no default), a fund has no finite maturity date and most funds are actively traded.

The world needs another vehicle to get people to pay in cash.