Michelle Singletary

Sorry, adult kid: The spare bedroom comes with strings attached

If your grown kids want to move back home, make them sign this contract.

Who should foot the bill on the first date? #WhoPays

Some advice on avoiding awkward silences when the restaurant check arrives.

New federal ‘security freeze’ will be a win for consumers

You’ll be able to freeze your credit files for free — but identity theft will still be a threat.

Parents, start saving for college when the kids are in diapers

Here are the top excuses people use for not investing in a 529 college-savings plan.

Stop lecturing the kids today about money

Millennials get plenty of financial advice from boomers — most of which is bogus.

No, the end of credit card signatures is not good for consumers

Signing for credit is an opportunity to realize that you’re going into debt, even if temporarily.

Secrets of raising money-smart children

No, an allowance doesn’t teach your children how to manage money

Trump brags that he’s a billionaire, but doesn’t act like one

The Stormy Daniels saga shows the president doing things that super-rich people never do.

Novel points out that happiness is one thing money can’t buy

The very rich are not different from you and me — family financial drama drives them crazy, too!

How identity crooks can steal your child’s good name

Why does a 2-year-old have a credit card? Here’s how to protect your children from identity theft.

The $1 million target: Should it be enough to retire?

Here’s why this benchmark is both real and unrealistic.

Tears of the not-quite-rich-enough

This is how it feels to be a millionaire, and still decide you’ll go broke.

How new tax rules on home-equity loans affect you

To deduct interest, the money must be used for the property that the loan is secured against.

Trump attorney offers lesson in bad money management

Home-equity loan interest is no longer tax deductible for paying off a credit card — or porn star.

When is it morally right for you to duck out on debt?

There’s nothing morally wrong with trying to settle for far less than you owe.

IRS audits: If you cheat, get ready for big trouble

There are just days left until the tax-filing deadline.

When you shouldn’t say ‘I do’ to being a wedding guest

When somebody says “destination wedding,” hang on tight to your wallet.

Resist the urge to become a banker to your grown children

If you can afford to give money as a gift, fine. But forget about loans to help your kids.

Do high repair expenses mean it’s time for a new car?

Unless breakdowns are frequent and the car is unsafe to drive, fix it and keep it on the road.

I’m worried about my young black males’s economic prospects

Black males are at the bottom of the economic ladder. That’s why I’m a helicopter parent.