Most people don't have piles of cash lying around and aren't counting on a big lump sum. Getting out of credit card debt is a slow process where you need to have a long-term goal.

The problem with the Orman-Ramsey theory of how term life would carry young Americans to their old age, is that it differs quite markedly from reality.

Right now, the top six "too big to fail" banks control about 70% of the wealth in America. Here's how we can all change that.

It never ceases to amaze me how many people think they are smarter than the credit card game. It reminds me of people who are trying to outfox casinos.

People looking to solve financial problems are also looking for empathy. Instead, the message they often receive from books about money is "I'm OK and you're an idiot."

I've watched many people get in trouble with upside down car loans, second mortgages or high interest rate financing. Credit keeps many people from living within their means. Then a friend told me he was buying a large house.

Even as a structured settlement consultant, I was stunned to learn that within two years of retirement, 78 percent of NFL players are bankrupt or under financial stress.

When three people who know about money go to the extreme of not owning any credit cards, others might want to take note.