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.

If you're saving for the long run, it's actually a good thing when the market is down because the more shares you have, the more you can potentially make when markets rise. And over time - decades, not months - the markets rise more than they fall.

But credit card debt is unsecured debt, which means if you get in trouble and cannot pay off your credit card, you can discharge it in bankruptcy. What are they going do to you? If you're in a financial position to just methodically pay off both credit card and student loans, pay them all.

The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track.

Opposites may attract, but I wouldn't put my money on a relationship of financial opposites.

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

Money is a topic that touches all races, all religions, all sexes, all ages, all tax brackets. It's a universal language that truly has been held up to us in society as a thing that determines whether we are successful, worthy, whether we have contributed something to life or not.