The prenup needs to be drawn up months before the wedding, not days - it's not something you slap together and sign in the car on the way to the ceremony. A shotgun prenup might not hold up in court.

Prenups are so unromantic - a sign of distrust, not love. Time for a reality check, my friends. First, drawing up a prenuptial agreement together is a sign of incredible trust and financial openness - you're fooling yourself if you think you can achieve complete intimacy without it.

Estate planning is an important and everlasting gift you can give your family. And setting up a smooth inheritance isn't as hard as you might think.

If you're going down the street and you're going the wrong way, remember - God permits U-turns.

Take free money. No matter how in debt you are, if your employer offers a matching contribution on a 401(k) or other retirement vehicle, you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus.

If you're financially responsible, your children have a much better chance to grow up financially responsible.