My current employer offers a regular
401(k) and a Roth 401(k). Iíve got several years before
I retire, so which one should I choose?
Take the Roth!
If you put your money into a Roth
401(k), and by retirement age thereís $1 million in
there, that money is yours tax-free. By comparison, if
itís in a regular 401(k), youíll pay taxes on that $1
million, which will come out to about $300,000 - maybe
$400,000 at the rate things are going now. Youíll lose
30 to 40 percent of your money.
My personal 401(k) is a Roth. And in
this situation, yours should be too!
Let go of the timeshares
My mom passed away recently, and she
left behind three timeshares. I inherited them, plus Iím
the executor of the estate. Theyíre all paid for, except
for the yearly maintenance fees, which total about
$1,500. I donít think I want them, but Iím not sure what
to do. Do you have any advice?
Iím really sorry to hear about your
mom. I know youíve got a lot of emotions going on right
now, and taking on the task of overseeing the estate is
a serious responsibility.
There are two issues here. One, as the
executor you have to decide whatís best for the estate.
Number two, do any of the other heirs want these things?
I wouldnít want them, I can tell you that. I realize
theyíre basically free things - all you have to do is
pay the maintenance fees - but by the time you do that,
you probably couldíve gone somewhere else. For that kind
of money, you can stay in some pretty nice spots and not
have the ongoing liability.
Right now, the estate has the
responsibility for the maintenance fees. I would call
the timeshares and tell them the estate isnít going to
keep them, and that youíre going to deed them back to
the companies. The way I look at it, you can have a lot
of fun for $1,500 a year. You can go where you want,
when you want. Youíre not roped into a specific place
and date. Part of the appeal of getting away is being
able to go where you like at a time thatís right for
I understand there may be some
sentimental value attached to these, Joe. But timeshares
are a horrid, inconvenient product. My sentiment would
be, ďIím out of here!Ē
Roll the money
June 9, 2014
should I handle my 401(k) when moving from one job to
would roll it to an IRA. Your new company, if you move
it there, will have limited choices for your 401(k).
Youíd also probably have a lengthy waiting period for
verification and the potential add-on fees and taxes.
Plus, with an IRA you can cash it out if something
really bad happens. But I rarely ever advise people to
cash out their IRAs. The only exceptions are extreme
cases, like to avoid bankruptcy or foreclosure. Even
then, hardship withdrawals are very difficult to get.
And again, this kind of thing should never be done
except in an absolute, worst-case scenario.
roll your money into a traditional IRA, Tracy. Itís
called a direct transfer IRA, and that way there will be
no taxes on it. You want the money to go directly from
the 401(k) to the IRA. Then, youíll have the freedom to
choose from about 8,000 mutual funds and move the money
around, if you like.
other words, youíre in control. Thatís the way it should
be when it comes to your money!
It all evens out
have three children, ages 15, 10 and nine. With our
oldest starting high school and just being a teenager,
weíre spending lots more money on her than the others.
Itís almost like sheís the favorite child. Should we
spend more on the other kids to make things seem a
little more fair?
donít think so. In five or six years, itíll be their
turn and you guys will be spending that kind of money on
them, too. Thatís the way it is with teens.
Hereís a question for you. When the 15-year-old is 23,
and youíre buying prom dresses and all the other teenage
stuff for the younger kids, are you going to turn around
and give the older child extra money just to ďeven
things upĒ? Of course not - that would be silly. She had
her moment in the sun, and now itís their turn.
make sure you hug on all of them equally, and let them
know you love them!
Would it be okay to go on a 10th anniversary honeymoon
while weíre working on our debt snowball?
donít think so. I mean, itís not against the law or
anything like that. I just donít think itís a good idea.
I wouldnít do it, and I wouldnít suggest taking the trip
then rolling it into your debt snowball either. I know
this probably sounds mean, but Iím just not a big
romantic when it comes to people who are deeply in debt.
rare exception may be a situation where you have a
really small debt snowball and a nice, fat income. But
most people in your shoes have average incomes and
mountains of debt. On top of that, they want to take a
big celebration vacation? I would say no.
some point you have to stop the spending and concentrate
on getting your finances in order. Besides, youíve got a
lifetime together to take romantic vacations and
celebrate your marriage. Just wait until you can afford
something like that. Trust me, youíll enjoy it even
Millionaire widow needs a prenup
May 30, 2014
My husband died several years ago. He always worked very
hard, and we did very well financially. I am now 48 and
have $3.8 million in assets. Iíve found a wonderful man
who is very stable and loving with a good job, and weíre
considering getting married. Do you think I need a
For years I told people never to do prenuptial
agreements. I always said if you love your money more
than you love your spouse, then youíre too immature and
selfish to be married.
However, Iíve changed my tune on this subject a little
bit recently. When one or two wealthy people get
married, the problems that can arise usually have
nothing to do with those two people. The problem is that
it can invite a lot of crazy into your lives from the
outside. Whether itís a parent, cousin or child,
sometimes people start feeling a sense of entitlement
when wealth is suddenly thrust into the picture.
both sound like mature, functional people with good
values. In most cases, thatís a pretty good indication
that crazy isnít in the immediate vicinity. Still,
thereís a lot on the line. So while I would advise a
prenup, you might keep an open mind to revisions
somewhere down the road. Make it pretty solid and
protective for the first five or 10 years. But then,
after you guys have built a life together, youíll
hopefully reach a point where youíll feel safe looking
at it as all ours.
the only reason Iíd ever suggest a prenup is when two
parties are bringing really unequal amounts to the
table. Yours is an extreme situation, Heather, so Iíd
give it some serious thought. Let him know you want to
do this to protect the relationship, so that thereís
never any hint that the money is a problem or will
create problems. If heís as kind and thoughtful as you
say, I think heíll understand.
AAA or self-insure?
do you think about auto club memberships like AAA?
Iíve got nothing against AAA. But honestly, I tend to
self-insure through savings for these kinds of things.
Iíve probably used, or had need of, a tow truck twice in
the last 20 years. When it comes to this kind of
product, I always look at it from the perspective of,
ďWhere does it leave me if I donít sign up for their
Again, I donít think AAA is a big rip-off or anything
like that. Itís just a type of insurance, if you will,
for which I have no need. I guess it could be a handy
thing to have if you were in a situation where you were
using their services a lot. But if their average
customer were like that, theyíd probably end up losing
money on you.
Paying the right amount for a house
know you recommend that no more than 25 percent of your
take-home pay should go toward rent or a mortgage
payment. Should taxes and insurance be figured into this
they should. Mortgage companies will qualify you for
twice as much house as you can realistically afford.
Theyíll try to put you on a 30-year, adjustable-rate
mortgage and leave you in debt up to your eyeballs for
half of your life. Payments like that can easily equal
36 percent or more of your take-home pay. Thatís just
see so many people who canít take a decent vacation or
save anything for retirement or their kidsí college fund
because their mortgage payment is through the roof.
Thatís called being ďhouse poor.Ē And Iíve even seen it
push people into debt just to buy groceries.
fine if you want to follow my guidelines. But what Iím
really trying to do is get you to think. Engage in some
critical thinking when it comes to your finances.
Thereís so much more to life than that building we call
a house. I want you to think about your future and your
familyís future and make smart money decisions that will
change your family tree for years to come!
than one life insurance policy?
you have more than one life insurance policy, and is
there ever a reason to do this?
Sure, you can. And there are several different reasons
you might choose to do this.
like in my case, I have lots of insurance regarding our
business, our estate plan and those kinds of things. In
some cases, Iíve reached the limit on the amount of a
policy a company will write on me. Most life insurance
companies will only write so much in coverage for one
person. So when this has happened, Iíd go to another
carrier for additional coverage.
Another reason people do this is to feel more secure
from a company standpoint. If one insurance company goes
out of business, theyíll still have another policy, or
policies, in place. Usually, thatís not much of an
issue. Most insurance companies are financially stable
or have insurance to back them up with the state.
only real problem with having more than one life
insurance policy is that it complicates your life a
little bit. Youíd have two or three premium checks or
withdrawals to worry about each month and possibly even
additional policy fees. So generally speaking, itís
cheaper to have just one policy. And Iíd recommend
having 10 to 12 times your annual income wrapped up in a
good, level term policy.
But no, there arenít any rules against having more than
one life insurance policy.
Helping her the right way
wife and I have a friend we met through the Big Brothers
Big Sisters program. She has a 1-year-old child, and she
recently asked us for some money. We donít really
approve of how sheís choosing to spend her money - sheís
spending a lot of it on alcohol and cigarettes - but she
does need financial help. What should we do?
have a very simple rule for situations like this. If
someone is bold enough to ask me for my money, I can be
bold enough to attach requirements to the money for
their own good.
of two things will happen when you handle things in this
manner. Theyíll welcome the help and graciously accept
your conditions, or theyíll get mad and act like you
have no right interfering in their business. I donít
have a problem helping people who have a good heart and
really need a break. But if someone cops an attitude
with me in this situation, I wouldnít break out my
wallet anytime soon.
Regardless, if you choose to do this, Iíd make the money
a gift and not a loan. Concentrate on trying to get her
on a path where she thinks a little straighter, and, as
a result, she will make better choices. Teach her how to
make and live off a budget or help her enroll in a
personal finance course. But right now, just handing her
money is like giving a drunk a drink.
whole situation is a lot bigger than giving someone $35
for diapers. The answer to that is easy. Itís yes. But
in this case Iíd probably give it to her in the form of
a grocery store gift card. Many of those donít allow
alcohol and cigarette purchases. Or, Iíd just go buy
diapers and baby food and take them to her. Actually
helping people is a lot more work than just throwing
money at them. To really help someone, you have to get
down in their mess and walk beside them.
Financially speaking, her problem is just as much
mismanagement of money as it is a lack of money. Anyone
who chooses smokes and alcohol over diapers for their
kid needs to be smacked. But since you canít really do
that, you can put conditions on your help that are
designed to help her improve her decision-making
abilities and, by doing that, improving her life.
Investing in savings bonds
do you think I should do with savings bonds Iíve been
given over the years?
Iíd cash them out now and invest them in something
better. Savings bonds earn almost no money. Plus,
theyíre the kind of things people just leave lying
around and forget about.
in the day it was a big thing to get and give savings
bonds. Weíd get them for birthday presents and such.
Then, weíd wait until they matured and cash them out.
Thatís exactly what Iíd do in your case, Ashley. Cash
them out today and put the money into good growth stock
mutual funds. Youíll be glad you did!
Not a good idea
23, transitioning jobs, and I make $32,000 a year. I
have $11,000 in a 401(k), and about $15,000 in debt.
Should I cash out the 401(k) to pay down my debt?
donít think so. When you take money out of a 401(k) they
charge you a 10 percent penalty, plus your tax rate.
Your tax rate is about 20 percent, so that means youíre
going to take a 30 percent hit. While I love dumping
debt, your idea would be kind of like saying, ďI want to
borrow $11,000 at 30 percent interest to pay off my
debt.Ē That doesnít make a lot of sense, does it?
never tell folks to cash out a 401(k) or IRA to pay off
debt, unless itís the only way to avoid foreclosure or
bankruptcy. Youíre not facing either one of those
situations, Cody. So my answer is no.
can do it with no fees
do you think about making bi-weekly mortgage payments?
think itís an awesome idea. By doing that, you can pay
off a 30-year mortgage in about 22.8 years, on average,
depending on the interest rate.
However, I would never pay someone a fee to set up
bi-weekly mortgage payments. All you do on a bi-weekly
schedule is make half a payment every two weeks. Since
there are 26 two-week periods per year, that equals 13
whole payments. Itís nothing magical, and itís not
for it, Jeremiah. Get rid of that house payment as fast
as you can. Just donít pay extra fees to make it happen!
to the head of the line!
owe the IRS $6,000, and currently Iím making monthly
payments. Should I roll this debt into my debt snowball,
and then really attack it when it gets to the top of the
My advice would be to put the IRS at the very top of
your debt snowball. Usually, when it comes to paying off
debt, I advise people to arrange their debt snowball
from smallest to largest, then start with the smallest
one and work their way up. This doesnít always seem to
make mathematical sense, but the truth is personal
finance is 80 percent behavior and only 20 percent head
knowledge. Paying off some small debts quickly energizes
you and gives you motivation. It makes you feel like you
can really do it. Besides, if you were such a math
genius you wouldnít have debt in the first place.
the IRS is a different animal altogether. Their interest
rates and penalties are ridiculously high. Plus, they
have virtually unlimited power to collect. So put them
at the top of the list, and get them paid off as fast as
noticed that your Baby Steps list puts saving for
retirement before saving for your kidís college fund.
Sending your kids to college would come first on the
timeline, so what is your reasoning behind this?
advise this approach because everyone is going to retire
someday, unless, of course, they happen to die before
reaching retirement age. Retiring and eating are
necessities. College is a luxury. Lots of people succeed
in life without going to college, and thousands have
worked their way through college. I worked 40 to 60
hours a week in college, and I still graduated in four
Having a college fund set aside by your parents is
really nice, if they can afford that kind of thing. But
you can go to school by getting good grades, applying
for scholarships, working your tail off and choosing a
school you can afford. I believe in education, but there
are lots of ways to get a college degree other than
having your parents foot the bill. Besides, the last
time I checked there werenít any good ways to retire
that didnít include saving and preparing for retirement
beforehand. I mean, you can always try to live off
Social Insecurity, but I donít consider that a plan.
short, college funding is not a necessity. Thatís why it
follows saving for retirement in the Baby Steps. Should
you try to save up for your kidís college education?
Sure, if you can. But there are lots of parents out
there who wonít be able to pay a dime toward someoneís
college education. And that doesnít make them bad
What should I do
think I made a big mistake when I bought my car. Iím
having a hard time affording the $500 a month payments,
because I only make minimum wage at my job and work 35
hours a week. My boyfriend, who was supposed to help me
pay for it, has moved out and left me. I owe $20,000 on
the car, but I know itís still worth about $19,000. What
can I do?
the car! You went car crazy and bought a vehicle that
was way out of your league.
Right now, your entire financial world is wrapped up in
paying for this thing. And depending on a boyfriend to
help make the payments was a big mistake, too. When he
left, so did the financial support.
this point all you need is enough to cover the hole you
dug. Go to your local bank or credit union and try to
get a very small loan from them - about $3,000. I hate
debt, but you really donít have a lot of options here.
Then, if the car will sell for $19,000, get it sold and
use $1,000 to cover the difference.
After that, take the remaining money and buy yourself a
little beater. Iím talking about basic, ugly
transportation. The next step is to pick up a part-time
job on the side, and work like crazy for a few months to
get that loan paid back as quickly as possible. Donít
ever do this kind of thing again, Rachel!
Problems with no credit score?
April 18, 2014
Iím 20 years old, and Iím trying to get out of debt.
However, Iím concerned about what might happen when Iím
older and donít have a credit score. My girlfriend says
I wonít be able to get a job or rent an apartment
without a good one. Is this true? Ė Ian
No, itís not true. Iím sure your girlfriend is a sweet
person, but she has no clue what sheís talking about in
In either case you can simply explain that the reason
you donít have a credit score is because you have no
debt. Since you donít have any debt, you have something
known as money. That makes you very stable, and it makes
you a fantastic candidate as an employee or tenant.
Listen to me, Ian. Iím a landlord, and if I had my
choice between a tenant with no debt and no credit score
and someone with a high credit score but lots of debt,
Iíd take the one who has no debt in a heartbeat. Why?
Because thatís the one who is most likely to pay.
Besides, you already have a good credit history if
youíve paid your bills on time. Show them proof of that,
if necessary. But taking on a pile of debt to have a
high credit score or increase your current score is just
plain stupid! Ė Dave
No CDs for kids
Would it be a good idea to open CD accounts for my two
small children? Ė Abe
No. A CD is a Certificate of Deposit. Basically, theyíre
not much more than savings accounts which carry early
withdrawal penalties. They earn about the same as a
regular savings account, too, which at the moment is
next to nothing. Thereís no reason to open them for your
Now, is it a good idea to save money on behalf of your
children? Of course, it is. But if the idea is simply to
teach and help them save money, Iíd recommend simple
savings accounts. If youíre talking about wanting to
save money for them Ė like for a college fund Ė Iíd
suggest an Educational Savings Account (ESA) with good,
growth stock mutual funds inside.
Even if you want to put aside college savings, Iíd urge
you to go ahead and open regular savings accounts for
each of them. We did that for our kids, and I can tell
you from experience, youíll find tons of teachable
moments about saving, giving and life in general!
Your bankís advice is bad
April 11, 2014
want to roll over a 401(k), and my bank is encouraging
me to roll it over to fixed annuities. Is this a good
times than not, when you go to a bank for investment
advice, what youíll get in the bargain is bad advice.
And thatís the case here.
move toward a traditional IRA, in a series of good
growth stock mutual funds. Put it across four types of
accounts: growth, growth and income, aggressive growth
and international. What youíre looking for, John, is a
great track record for your investments. You want a
track record so ridiculously good that it gives you a
great sense of comfort, even though thereís no guarantee
of whatís to come. And there are mutual funds out there
that can do just that for you. I own one thatís over 70
years old, and it has averaged nearly 12 percent over
of people talk in ďwhat ifsĒ when it comes to investing.
Well, you can play that little game all day. But if the
economy goes completely down the tubes, and the
government destroys things like mutual funds and real
estate completely, your little bank-recommended annuity
isnít going to make it, either. The banking system as a
whole will fail if all the mutual funds close because
theyíre all based in publicly traded companies. And that
means virtually every business you drive by on your way
to work would be out of business. A bankís not going to
survive that kind of thing.
youíre looking for things to help you survive the
apocalypse, youíre talking about food and water. But if
you want rational, well-reasoned investments, you need
to look at growth stock mutual funds and paid-for real
estate. Thatís what I do!
Number of payments isnít the problem
do you think debt consolidation is such a bad thing?
Debt consolidation is a bad thing because it makes you
feel like you really did something to get out of debt
and change your financial world when you didnít. People
come to me all the time saying stuff like, ďDave, I got
a second mortgage. I paid off all my debt!Ē Well, no you
didnít pay off all your debt. You just moved it around.
Thatís part of the catch when it comes to debt
consolidation. If you get a lower payment and move
things around a little bit, you feel like you actually
accomplished something. The problem with that is you
donít do anything to address the real problem, which is
Interest rates arenít your problem, and the number of
payments isnít your problem. Your problem is the person
you look at in the mirror every morning, Tessa. Until
you fix that person and get mad enough at your financial
situation and the real cause of it, youíll never make
any progress toward getting control of your finances.
Trying to borrow your way out of debt is not a good
Extravagant giving, foolish spending?
My husband and I are debt-free, and we have several
hundred thousand dollars in savings. We pay for our
children and grandchildren to visit during Christmas
each year, but my mother thinks this is foolish
spending. What do you think?
Iím sure your mom loves you guys a lot, but sheís wrong
twice on this one. First, she should mind her own
business. Second, you guys have obviously worked hard
and been extremely smart and disciplined with your
finances. For someone in your situation, bringing your
family together for one of the most important days of
the year isnít foolish on any level. I think itís awful
that youíre even having this conversation with her.
of my great dreams years ago was to have the ability to
do things like that for my family. When I was 22, I
worked for a real estate guy who would bring his entire
family in from all over the country once a year to go
skiing for a week. He and his wife would pay for
everything. They would rent a nice chalet, and spend
that time having fun as a family and growing closer
together. I sort of borrowed that idea a while back.
Once a year weíll take all our kids and their spouses on
a nice vacation. We pay for everything, and itís just
one of our gifts to them because we love them.
I think your mom is completely wrong. There are three
things you can do with money: spend, save and give.
Trust me, giving is the most fun of all!
Book a hotel room
without a credit card?
it possible to book a hotel room without a credit card?
Absolutely, it is. Just use a debit card.
donít have a credit card. When it comes to finances, the
only pieces of plastic youíll find in my wallet are two
debit cards - one for my business, and the other for my
Visa or Mastercard-branded debit card can be used
anywhere credit cards are accepted. And the best part is
that youíre not borrowing money when you use one. The
funds come directly from your checking account. Some
hotels might put a temporary hold on your account for
the amount in question, so you need to make sure you
actually have the money in the bank. But that just makes
sense, doesnít it? You shouldnít be traveling without
money in the first place.
youíre too broke to travel, then you need to stay home.
Financial Russian Roulette
March 25, 2014
wife and I are debt-free except for our home. She
travels one week per month and charges her expenses to a
personal credit card for reimbursement later. Iíd rather
we open a checking account with debit card privileges
just for these expenses. What do you think?
Iíve got to say I like your idea better. The problem
youíre both facing now is this: if her company ever
shuts down, thereís a good chance you guys are stuck
with credit card debt.
Years ago I had a client who was working for a company,
and heíd run up travel and business expenses on his
American Express card. Like your wifeís situation, his
company would then reimburse him for expenses. Then, he
made a business trip to Europe, and, while he was there,
his company asked him to pick up some computer
equipment. The cost of the trip and equipment was about
$22,000. When he returned to the office with all the
computer stuff in tow, the front door was padlocked. The
IRS had shut them down, and they went into bankruptcy.
And guess what else? He never got the $22,000 from the
Credit card companies donít care about the
circumstances. They want their money, period. You guys
have done pretty well if youíre debt-free except for
your home. But your wife is playing a game called
Financial Russian Roulette, and it could backfire on you
both at any time.
Never take personal responsibility for company expenses.
Trading debt for a
considering a career change and becoming a financial
advisor. It would mean a 45 percent cut in salary for
three to four years, and Iíd have to take on debt in
order to survive the cut. Is this a smart move?
No, itís not. You didnít give me a lot of details about
what kind of ďfinancial advisorĒ youíre thinking about
becoming, but there are all kinds of people who put
themselves in the category of financial advisor. A
little voice in my head tells me youíre actually talking
about life insurance sales. If thatís the case, then
there are some things you need to understand. One, you
wouldnít be a financial advisor; youíd be an insurance
salesman. And two, thereís about an 80 percent fallout
in that world. Eighty percent of the people who start as
insurance salesmen donít make it in that line of work.
you could be making $200,000 right now. And if that were
the case, youíd still be making good money while this
new career takes root. Still, Iím not going to send you
into debt for a career change. Thereís got to be a way
around that, whether itís delivering pizzas at night or
beginning your career change on a part-time basis before
making the jump.
Travis, I want you to live your dream. I also have no
qualms about you going into the financial world if itís
what you really want to do with your life. But Iím not
going to tell you itís OK to go tens of thousands -
maybe even hundreds of thousands - of dollars into debt
to make it happen. Going deeply into debt to become a
financial advisor sounds pretty oxymoronic to me.
Doesnít it to you?
Donít do something really dumb with money in the name of
advising other people on their finances. That just seems
Keep the lifestyle simple
March 22, 2014
recently got a new job that will increase my income by
$20,000 a year. Iíve got $65,000 in debt, and Iím
trying to pay it off, so I know I need to adjust my
budget. Do you have any suggestions for a situation like
on your increased income! The first thing Iíd tell you
is not to get used to any permanent luxuries while
youíre paying off debt. Go out and celebrate with a
really nice dinner or something like that after you get
your first paycheck. But donít go nuts or pick up any
big, new stuff. The more you put toward debt, the faster
it goes away.
been doing this financial thing for a lot of years, and
the one thing Iíve found that gets people out of debt
is passion. I want you to be so passionate about getting
out of debt that you donít even consider doing
anything else until itís all gone. Your thought
process needs to be, ďWow, I got a new job making more
money. I can get out of debt even quicker!Ē
Iím okay with you adjusting a bit that first month and
having a little fun to celebrate your good fortune. But
after that, I want you to turn around and attack the
debt with even more intensity than before. Way to go,
a tenant mercy
own a one-bedroom condo that Iím using as a rental
property. The current tenantís old agreement is up
soon, but she signed a new lease less than a month ago
and gave me a deposit, plus the first monthís rent.
Just the other day, she called and wants to back out of
the agreement. She said she discovered after she signed
that her ex is having serious health problems, and she
needs to move to help take care of their kids. What do
you think I should do?
own a bunch of rental properties, so I know for a fact
that as a landlord you run into all kinds of situations.
Some are more genuine than others. I would want some
proof as to whatís going on, but on the surface it
sounds like sheís got a valid reason for wanting to
cancel the agreement.
sheís asking for your understanding and mercy. If it
were me, and what sheís said turned out to be true,
Iíd try to lease the place to someone else as quickly
as possible, and Iíd refund her the deposit plus any
money it doesnít cost you in the process. In other
words, if it took two weeks to find another tenant, then
Iíd give back the deposit and two weekís rent. Of
course, if sheís in really bad shape-and youíre on
solid enough financial ground to withstand the blow-you
could let her out of the agreement completely and move
on to finding another tenant.
donít want to profit from someone whoís genuinely
struggling. But you have to look out for yourself and,
if possible, try to break even. Regardless, I wouldnít
take advantage of anyone whoís truly going through
hard times. Thatís just not right.