By now, most stocks have rebounded. It's time to get rid of those shares you lost on -- you think they could rebound, but some things are just not going to bounce back.

Before you can get into things like investing and saving for the future, you've got to figure out how you are spending it.

If you save money, put it in your piggy bank or put it in your savings account, but put it somewhere. I don't care where you put it. But make it tangible.

If you're off by $100 a month on what you really spend, that oversight then is $1,200 every year. Think about this. If you can invest $100 a month over 20 years, and assuming an after-tax return of 8 percent, it could amount to as much as $60,000.

If there's a constant feeling of martyrdom, it's not going to work.

Not that you should, but you should be able to make daily exchanges if you want.

It's a lifestyle decision, look at the bottom line.

You really have to crunch the numbers -- how much is it going to cost you to go to work? ... Women and Money.

Companies should offer value- and growth-style investing so the employees can choose.

Some people get frightened when the market drops after they put money in, so the client feels good doing dollar-cost averaging spread over the year.