What is one thing that makes you happy? Many people would say, “Money, of course!” But, what happens when that happiness starts to disappear? You may ask yourself, “Where did all of my money go?!” That question usually comes to mind once you realize that you’ve spent money on things you didn’t necessarily need, but really wanted.

If you haven’t read “A Young Investor’s Guide to Saving,” you should do so before reading the rest of this article. It shows you how important it is to start saving early and how doing so may lead to becoming a millionaire.

A recent survey found that 55 percent of Americans have no plans in place in the event of a personal financial emergency, such as the loss of a job, legal troubles, a serious illness, or any other unexpected problem with financial implications.

If we were prepared for them, they wouldn’t be called emergencies: the car gets totaled in an accident; the dog or cat breaks a leg; the refrigerator dies. Expensive incidents can happen. And paying for them may not be easy! What options exist for getting money quickly while minimizing the risk to your financial future?

Even if your credit score has taken a hit, a few key moves can help bring it back — and help you get better rates on a mortgage, credit cards, car loans, and even your car insurance.

Pressure on local governments isn’t fading and most likely is heating up.

One option to consider when deciding how to save your money is a Certificate of Deposit (CD). A CD is generally considered a low-risk investment option, typically available from a bank or credit union, which provides you with a fixed-interest payout.

“I want to have more money in my checking and savings account.”

 “I want to be able to do more of the things I like to do.”

These are things I have been saying all my working life it seems.

If you’re an avid reader like me, you probably don’t necessarily want to spend a lot of money buying books, even if you love them.

To many this question is only the name of a popular television game show, but for others it is a retirement goal. If it’s your goal, I’ll bet you’ve wondered just how to get there.

A few days ago, I was listening to a morning radio show and heard the two DJs banter about ways to save. One of the strategies they mentioned was making gas purchases on Wednesday mornings to get the most bang for your buck. According to GasPriceWatch.com, they’re right.

You’ve got your eye on a cool new computer, or maybe a designer outfit you’ve just got to have. And you’ve got the credit card — or cash borrowed from friends or family members, or at least the store’s financing offer — that you need to make these items yours. But will you enjoy them so much when you start paying back the debt you also made yours?

Your retirement plan is a nest egg for your future, a way to avoid becoming a burden on your family in your old age, and a strategy to reduce your tax bill.

But should it also be an easy source for a loan?

If you're up on your reality tv shows, then you probably know that DWTS is short for "Dancing with the Stars," the reality show that showcases primarily used-to-be and would-be celebrities vying for the #1 dance spot.

I had dreams of becoming a millionaire when I was a kid. Now that I’m starting my career, I would be happy just to retire by age 70. 

A few years ago when I stopped watching television my sister warned me not to tell anyone. “You’ll come across as pretentious and people will get defensive.” Well clearly that never stopped me. But I am happy to see I’m part of a still miniscule but growing trend.