Reader said: I just recently read your blog but i really enjoy reading them. Hard truth with humor. I am 35 and a mother of 2, and I am so embarrassed to said that I have no war chest, emergency funds at all. All I have is debt that I have to pay for another 7 years for the whole family etc. Me and my hubby are not prudent in money and sad to say we always quarrel because of this especially when my hubby was asked to leave his good paying job. I have to dig my own money to pay with a lot of stuff and seeing my account set back to zero really angers me. I only came across investing few months ago and bought penny shares for 1 lot or half a lot. And also start to buy some blue chips shares and gold accumulation plan for $100 per month......