If we aren't careful, our children will come down with 'affluenza,' a disease that causes them to confuse wants and needs. We need to teach our children what my grandmother taught me: Think twice about spending money you don't have on things you don't need to impress people you don't like anyway.
If you haven't saved, your child may have to work. But do what you can to NEVER take out student or parent loans.
My grandmother's grandparents were slaves. My grandmother Big Mama would tell me about the stories she heard as a child growing up in the shadows of a North Carolina plantation. It's only been in my lifetime that blacks have had the right to vote, live in certain areas or hold certain jobs. It is with this black history that I write about the financial challenges African-Americans still have.
I use my financial values to set my limitations. I have three children I want to put through college debt free. So that means I can't spend wildly or with disregard.
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