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Dave Ramsey, a finance personality who hosts a popular radio show on getting out of debt, says that forgoing lattes is one of four keys to saving thousands of dollars. Nonetheless, coffee endures as a personal-finance flash point because it provides such a tidy intersection of generational tensions. A cup of coffee embodies changes in everything from how younger Americans eat to where they live and how they approach their finances.

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Sign up for this week's free webinars hosted by experienced investors or view previously-held webinar recordings in the Archives. The Intention Journal will be your playbook to create the life that you always wanted. Establish time for intentional planning and take back your day! Because I have not read a basic financial book in a while, I thought I should see what all the hoopla is about.

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Ahh, Financial Media. Everyone has a go at it, from the tanning-salon-smile hosts of the regional news shows reporting the daily close of the Dow index, up to the Ph. The New York Times is fond of publishing mature-sounding, sympathetic stories about the hard times we as a culture have with money, with nary a face punch in sight.

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Last month, Suze Orman shocked a lot of people including probably Dave Ramsey and drummed up a lot of press when she changed her long-running stance on aggressively paying down credit card debt. As many of you know, Suze has basically started to advise people to only pay the minimum payment on their credit cards and to instead increase their emergency fund to at least 8 months worth of expenses. Her justification is that many credit card companies are lowering limits and even canceling cards on those who pay them down.

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Suze says you need "impeccable credit" to start a business. While I was traveling this summer, I picked up a copy of the August O Magazine and found some business advice from Suze Orman that just sent me into a tail spin. Splurge on the Louis Vuitton bag.

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I feel bad for Suze Orman, man — I really do. Naturally, personal finance bloggers around the world jumped on the opportunity to rail on Suze Orman for saying one thing and doing another. Essentially, Suze sold out. And she got called out on selling out.

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Is this necessary? But … so what? Why should I listen to Orman?

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You either love her, hate her or really hate her. In truth, a lot of her advice is really good stuff. But some of it is teetering on the edge, and some advice is just plain bad.

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