Alexa Von Tobel

We never intend to lose our jobs, break up with our live-in loves, or face any number of the curveballs life throws our way. But they happen all the same, so have a bailout plan just in case. Sounds corny, but I call this the 'freedom fund' because it gives you the freedom to get out of a jam without climbing into debt.

Without any formal personal finance education or trustworthy resources to tell them otherwise, the majority of people in the 18-to-24-year-old age bracket do not know how to use credit effectively, tackle debt or make wise decisions when it comes to spending.

What cracks me up is people who think I don't take baseball seriously. It's the most important thing in my life. They don't know how hard it is for me to get a bad game out of my mind. I still can't, but I'm getting better.

As a small business owner for the last 15 years, when I think of what truly changed my life, it was my faith, a strong family, my mom did a really, really good job of encouraging me in very clear and discernible ways.

The historical novelist has to consider what has actually happened, while the SF writer is dealing in possibilities, but they are both in the business of imagining a world unlike our own and yet connected to it.