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Ken and Daria Dolan, America's First Family of Personal Finance, answer your money questions every Friday.

Dear Ken and Daria,

I have a little bit of money left over at the end of each month. What's the smartest way for me to put it to work? Should I invest? Pay off debt? Something else?

Glen

Ken and Daria Dolan offer much more advice on everything from debt management to investing wisely at Dolans.com.

Click here to ask Ken and Daria your question.

Ken and Daria Dolan are widely known as America's First Family of Personal Finance.

Did you see the headlines this week? Congress is finally airing some of the credit industry's dirty laundry and threatening to get tough with it over the sneaky-and sometimes downright unethical ways some credit card companies squeeze consumers.

We say it's about time. Just thinking about the way some companies offer you the "opportunity" to rob your own future makes us livid. But let's be real -- credit card companies are in business to make money.

And if consumers keep taking what they dish out, a Congressional hearing isn't going to change that.

Ken and Daria Dolan are widely known as America's First Family of Personal Finance.

Question: We're just starting a family and reviewing our life insurance. There are SO many choices! We think the toughest choice is whether we should buy whole life or term insurance. What's your take? - Jessica, MD

You know, Jessica, so many of the questions we answer have lots of "buts" or "ifs" associated with them.

But this one is about as straightforward as they come.

For young families, Ken and I recommend term life insurance. Period.