Samira: It’s interesting, because some people think that they have to live paycheck to paycheck.

That’s what their parents did and that’s just their style, but the truth is that’s not

accurate. You are entitled to live a life that has financial serenity. The way to achieve

that is to manage your money responsibly and save, and know the difference, again,

between a want and a need. I’m not saying not to buy a $3,000 TV set. What I’m saying

is do you really need to buy it? Are you going to finance it? How long? Can you afford

the monthly payments even though it’s at zero percent interest? There’s always catches

with these contracts, so you have to really just consider the entire picture. Maybe you

save the money and buy it, or use your tax refund to buy it, and not get into the debt.