The middle class has disappeared. We have a highway to poverty and no roads coming out.

A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out.

You must recognize, embrace, and be honest about what is real for you today and allow that understanding to inform the choices you make. Only then will you be able to build the future of your dreams.

Remember: If the IRS suspects you haven't reported income, it can challenge returns from the past six years. So if you are self-employed or have multiple income sources, hold on to six years of files to be absolutely safe.

A consumer-finance agency is a good thing, but it would do well to teach consumers a simple lesson: if you don't understand the deal you're making, don't make it.

I've seen too many people who struggle financially who save thousands of dollars and go on a one year trip. And then they come back out of money, thirty years old, and back to living with their parents and saying 'I'm back to getting any job possible to get more money for travel.'

Well, my view is that the insurance companies have done awfully well and spent a lot of money on a lot of things that don't have anything to do with health care.

Franchising implies a financial arrangement, and I am always pleased to consider those.