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Getting a tax refund is nice, but having more money year-round is better. If you get a chunk of change from the IRS, you're giving the government an interest-free loan - not something they, or any bank, would ever give you. Instead, change your withholding so you get a little extra in each paycheck.

From Jean Chatzky

Whether it's fly-fishing, taking your camper to the Everglades, or just traveling, everyone has got a little retirement dream.

From Jean Chatzky

One of my rules is: If it's good for the planet, it's usually good for your wallet.

From Jean Chatzky

Once you're retired and are no longer counting on earned income to live on and supplement your nest egg, you're done with disability insurance. At that point, though, the need for long-term care insurance - which protects you from spending that nest egg too fast - takes over.

From Jean Chatzky

Debt certainly isn't always a bad thing. A mortgage can help you afford a home. Student loans can be a necessity in getting a good job. Both are investments worth making, and both come with fairly low interest rates.

From Jean Chatzky

July is high burglary season because so many people leave town. To help avoid making that obvious, suspend your newspaper subscription and have your mail held. Another clear indication is if all your lights are off for an extended period. To fix that, you can buy a timer for about $30.

From Jean Chatzky

Your retirement comes before your children's tuition. That's because there's no financial aid for retirement, and there's still a good deal available for college.

From Jean Chatzky

I'm big on setting goals, but I also think that if you have too many lofty ambitions and set goals for everything, you can sabotage your efforts by overextending your brain.

From Jean Chatzky

Show your kids that needs and wants are two different things. The best way to teach our kids to be smart consumers - and savvy savers - is to model good behavior for them.

From Jean Chatzky

After two decades of personal finance reporting, I've heard every excuse in the book for not saving money. That said, none of them really hold up - at least over the long term.

From Jean Chatzky

Jean Chatzky

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