"I'm afraid that we all make mistakes. One of the things that defines our character is how we handle mistakes. If we lie about having made a mistake, then it can't be corrected and it festers. On the other hand, if we give up just because we made a mistake, even a big mistake, none of us would get far in life."

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My Big Mama is my No. 1 financial role model. Much of my advice stems from what she taught me. She never made more than $13,000 a year, yet she paid off her home before she retired. She saved money from every paycheck. She taught me to be skeptical. It makes me cry to think that I'm a nationally syndicated personal finance columnist for one of the world's best newspapers and my core advice comes from my black grandmother who was a nurse's aide with just a high school education.

— Michelle Singletary