There are a lot of numbers floating around that people tell you you have to worry about. But the truth is, if you can stay our of debt and have an emergency fund, then you'll be better off than nearly everyone. Are you a victim of unexpected expenses? Everyone is. It never fails, as soon as you think you're getting ahead with money, something comes up. Life gets in the way. It happens to all of us.
Since we're approaching Valentine's Day, it seems appropriate to talk about love and money since they seem to be inextricably tied together. Especially on Valentine's Day when people spend money on their love. 
Many people ask me if insurance is "worth" it and how much they should spend for it. Insurance is simply transferring risk from yourself to someone else.
The unexpected will always occur; however, if we prepare better for them, we won't have to react drastically.
You're running late to a game night party and you show up half way through the second quarter. When you walk in, the first thing you ask is, "What's the score?"
The reason most people are in debt today is because they only look at the minimum payment -- totally ignoring the balance on their credit card and also the interest rate the credit card company is charging.