My son was elected to speak at his high school graduation ceremony this year. I gave him one piece of advice—don’t offer any advice! I told him, “You’re not even 18 years old yet. You don’t have anything to give advice about.” (I can say this because I’m 48 years old. When I was 18, I thought I knew plenty to give advice about. His speech wound up being great, much better than 18-year-old me could have done). Advice is a funny thing. Just about everyone I know is willing to offer it, but it’s often unsolicited and unheeded. There’s a saying, “If you want money, ask for advice. If you want advice, ask for money.” My job is to give advice about money, so if you want that, I can help. Seth Godin recently wrote in his blog: “It’s entirely possible the person you’re eager to help doesn’t believe what you believe and doesn’t want what you want.” So, let me ask, what do you believe about money and what do you want? I welcome your comments at email@example.com.