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I've always heard that financially-savvy people shop around for the best interest rate.

The prevailing advice is to have three months of living expenses in an easily-accessible account.

If you've been furloughed or lost your job, you're wondering when you'll get a paycheck again. If you're self-employed, like my husband, you wonder when the phone will start ringing again with jobs.

Deferred Maintenance — I often hear this phrase in relation to home ownership or car maintenance. It's postponing simple maintenance to save money in the short term or from lack of knowledge.

I never paid much attention to my credit score. I’m sure someone checked it when I rented my first apartment and again when I bought my first home, but I couldn’t have told you what it was.

Yep, you read that correctly and yes, I am the millennial you have heard about. I have lived with my parents for 29 years. By living at home, I have been able to pay down credit card debt and student loans.