If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.

I've learned an encyclopedia version of life from Oprah Winfrey.

The truth is women in the workplace don't have to fight nearly as hard for opportunities, or to dispel stereotypes, as they did before.

You can have all the money in the world. You can be a multi-billionaire, but if you do not have your health it means nothing. Your health is the No. 1 important thing in your life.

I don't care how far we've come with "women's liberation," with all these things. In a man's mind, he still needs to be the support of his family. He needs to hold up the world.

If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards.

Absolutely pay off your credit card debt, because a child can always get a loan to go to school, possibly a scholarship, a grant.