In my work with women, I hear women tell me that feel overwhelmed why they think of dealing with money and planning. You need to have that tough conversation with yourself, the one that scares you and that fills you with dread. You might try to ignore it or pretend you have control over it. You need a financial plan. Here's how to start.

Those who have seen the documentary Queen of Versailles usually laugh at the outrageous lifestyle of David and Jacky Siegal, a billionaire and his trophy wife. The film begins in 2008, before the market crash. The economic downturn froze the construction of their incredible 90,000 sq ft mansion in Florida. But we can learn from them. What kids and adults need are some lessons in the lost art of budgeting, living within your means and learning not to spend what you don't have.