Owning a home is a keystone of wealth - both financial affluence and emotional security.

Time is key to building your financial security.

We tend to focus on assets and forget about debts. Financial security requires facing up to the big picture: assets minus debts.

Anything that gets people to think harder about their financial security and take some responsibility is a good thing.

Like your home's closets, your financial clutter needs an overhaul every now and again, and the payoff will go far beyond the psychic satisfaction of neatening up.

No one's ever achieved financial fitness with a January resolution that's abandoned by February.