Personal finance radio host/author; debt payoff, budgeting, and long-term wealth discipline.

If you’re talking about marriage but you can’t talk about money, you’re not ready for marriage. Money fights are the number one cause of divorce in America. You have to get on the same page. Because if you’re building a life together, you can’t be running two separate financial plans. And if someone says, “I just want to do my own thing,” what they’re really saying is they don’t want to build a life as a team. Marriage isn’t you and me. It’s us.

If you’re 25 and don’t end up a millionaire, you might need a wake-up call, because I just showed you how. Invest $100 a month from age 25 to 65 at the average S&P 500 return over the last 40 years,...