Jean Chatzky

Optimism is an expectation that good things are going to be plentiful. The wealthy generally have the sense that life will bring good rather than bad outcomes. That doesn't mean they believe that good things will be omnipresent, but that they will outnumber the not-so-good.

Generally, there are three rules when it comes to borrowing money: You need to have good credit, proof of income and cash for a down payment. Most people have the first two, but it's the third that trips them up. And nowhere does that come into play more than the mortgage market.

If you live in a yard sale kind of neighborhood - in good weather, most neighborhoods are crawling with them on weekends - do a sweep to see what the competition is charging. No one is going to buy your $7 book if they can get it down the block for $1.

I've always dressed the same. I've never made a fashion mistake. I've always worn utilitarian. I started my collection because I wanted certain specific things, but before that it was vintage and classic Brooks Brothers.

If you've done a bit of journalism, everyone assumes you must be moving into PR. We're absolutely not becoming a PR agency and we're not turning into Brunswick. We will remain SRU, but we will be owned by the Brunswick Group. It's quite different.