When it comes to saving, investing and all things financial independence, Stella & Dot CEO and founder Jessica Herrin walks the talk. With the idea that 9-to-5 doesn’t work for everybody, Herrin set out to reinvent what flexible income — and home business opportunities — look like for the modern woman. She speaks to the importance of saving and investing, but she and I agree that your most important investment is the one you make in your skill set — especially if you’re in the gig economy. In Mailbag, the pros and cons of using your savings to learn a new skill and checking your credit report and score for free. And speaking of credit scores … our friend Michelle Singletary (also a future guest) has a perfect one. We share how she achieved the 850 mark.