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      Money Talks: 20 Year Recap

      The web, smart bill pay. The way we manage money has changed a lot over the last 20 years.

      This is my 3,000th script - I've been doing Money Talks since before these guys were even born. While I've certainly changed a lot, but you know what hasn't? The kind of advice I give. I'll show you what I mean...

      "This is a risk ladder. Every step up means more risk, but also more potential for reward. We already know that bank savings accounts are pretty boring. Last time we took one step up by looking at mutual fund money markets. Today let TMs take one more step up and have a look at bonds.

      Probably the best way to save money on food is also the healthiest. And that TMs to buy food in it TMs rawest form and prepare it yourself.

      How much are you worth, honey? That TMs a tough question to ask, but you know what? You better, because marriage is sharing. And if your combined net worth is negative, maybe that TMs something you should find out before the big day.

      Even if you TMve got a perfect driving report, you could pay 30 percent more for your car insurance than someone who TMs got both a perfect driving record and a perfect credit history. That TMs why what you TMve got to do is keep one eye on the road but the other one on your credit report.

      Coops help small businesses survive and so should you. Because these businesses are often owned by your neighbors. So next time you go shopping, think local first. Unless you like the idea of a world of Walmarts.

      Bottom line? Things are strikingly different today than they were 20 years ago, and so am I. But you know what? Financial fundamentals, they never change. Meet me here 20 years from now, and I'll prove it again. In the meantime, if you've got money questions, find answers right here at

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