Steve received so many questions and comments that we had to break this episode into two!   Part 2 answers questions like:  

Should you pay off school loans or credit card debt first? 

Should you use ebates.com for saving money?  

What’s the best way to save for college for 4 kids?

Can you save for the future without using the stock market?

Is it ever too late to start learning how to manage money?

Should kids get an allowance?

How to save for birthdays and Christmas.