The middle class has disappeared. We have a highway to poverty and no roads coming out.

A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out.

You must recognize, embrace, and be honest about what is real for you today and allow that understanding to inform the choices you make. Only then will you be able to build the future of your dreams.

Remember: If the IRS suspects you haven't reported income, it can challenge returns from the past six years. So if you are self-employed or have multiple income sources, hold on to six years of files to be absolutely safe.

I can make dopey decisions for which I have to pay. If I take some little old lady's superannuation money, I would be mortified if things didn't go to plan.

It is critical that the American people, and not just their financial institutions, be represented at the negotiating table.

I think what we really need to think about is how do we reimagine the management and movement of money in an era where everyone will have a smartphone.

I would argue that no financial instrument counted as regulatory capital should be allowed to receive any protection from losses.