When it rains — and I assure you it will rain — the problem usually isn’t the expense itself. It’s what you have to do to cover it.

I say this all the time: nobody teaches this stuff, and everyone is expected to know it. A friend from the Salvation Army just gave me 45 minutes to fix a little of that. Here's what made the cut, what didn't, and why the hardest part was choosing.

If we were to work together, what does that first meeting look like?" Here's the honest answer: what I do before we meet, what we go through on screen, and the part I look forward to most — the questions most people have never been asked about their own money.

Would your last three bank statements tell someone what matters most to you?