From the #1 personal finance columnist on the Internet (Nielsen/NetRatings), Liz Weston provides a clear prescription for financial health in the 2010s and beyond. She covers budgeting, getting out of "toxic debt," getting the right mortgage, paying for college, saving for retirement, and more.

1st commandment : create a budget that works in the real world -- 2nd commandment : create a survival plan with cash and credit -- 3rd commandment : Pay off debt the smart way -- 4th commandment : Don't avoid risk ... embrace it, but sensibly -- 5th commandment : your home is not a piggy bank, preserve its equity -- 6th commandment : saving for retirement must come first -- 7th commandment : get a college education you can afford -- 8th commandment : reserve insurance for the big losses -- 9th commandment : treat your marriage like a business -- 10th commandment : defend yourself in the war on consumers.