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coach canada kingston If you have children and you don't have a college fund for them or you're not contributing at a pace where they don't have to borrow a single dollar at debt, then you shouldn't be at the mall. If you have a car loan that you need to pay off, you need to be at home with your kids and not at the mall.I'm glad you brought up children. What financial advice would you give to busy moms who are trying to juggle work, personal finances and a family?Here's the revolutionary advice you are not going to hear too often. It's just one simple word. And this will save you so much time and money. You've got to say no! That has to be your go to word when it comes to your kids and how you spend. I'm talking to myself, too, because I have a hard time saying no. We need to be OK. If the kids are not in every single activity, that's OK. You have to pull back, so that you are not ripping and running with your time and your money.You give a lot of advice every week in your column. Who do you turn to when it's time to research or learn something new?I'm a Christian, so I go to scriptures in Proverbs. You don't have to be religious to know that there is such good wisdom in Proverbs about how to handle your money. I also read Consumer Reports . and Money Magazine and Kiplinger. Those are my go tos. I am reading, studying and looking at what's going on constantly. I stay in a mode of trying to feed financial information into my brain.What's the oddest question you have ever received?I did get a question recently from someone who had invested in a Ponzi scheme and had gotten into tax trouble. I was like, dude, you need a