Times may be tough, but the holidays are approaching. What are you going to splurge on this year? In the past “luxury” might have meant a fancy TV or vacation. What does it mean this year? Something simple, or are you going all out?

Health care reform looks different to each person — because health insurance options vary so much for each family.

We want to know about your health plan. If you have it, how much do you pay and what do you get for it? Is it a good plan for a reasonable amount, or do you pay a fortune for what is essentially catastrophic coverage? What does reform mean to you?

If you don’t have it, what do you do instead? Do you not visit the doctor, or do you find physicians who will work with you? Have you had success negotiating costs?. What could you pay/be willing to pay for insurance? What does reform mean to you?

Tell us your story — or the basics — and a reporter could contact you to discuss your situation for an upcoming story on CNNMoney.

Have you purchased a home using the $8,000 first-time homebuyers tax credit? If so, we want to hear about what you bought and how the credit impacted your shopping and decision. Post your comments below, and you could be part of an upcoming story on CNNMoney.

Have you retired to your dream place within the past three years? Or are you getting ready to do so? If so, we want to know where you moved (or stayed) and why you chose the area. Tell us your story below, and you could be part of an upcoming CNNMoney/Money magazine story.

Do you work for minimum wage? How do you make ends meet? Will the increase in the minimum wage help you? Or will your employer be cutting back positions to make up for the extra costs?

Tell us your story, and you could be part of an upcoming article on CNNMoney.com.

Ponzi scheme mastermind Bernard Madoff was handed the maximum sentence of 150 years in federal court Monday after he offered a public apology to the victims of his massive fraud. At 71, he’ll probably never see the light of day, but is that enough in light of his staggering crime? What kind of sentence do you think the judge should have issued?

Have you applied for a loan modification or refinancing under the Obama administration plan? Did you run into roadbloacks or were you able to get a lower monthly payment and avoid foreclosure? We want to hear your experiences.

Are high oil prices a good thing, as they signal a recovering economy? Or will they snuff out any rebound? Post a comment.

Have job cuts at your company left you with more job responsibility but no additional compensation? Have you been doing the job of two or three people? Are you feeling burned out at work? Post a comment and tell us how your job has been affected by layoffs.

Back to story.

Is $12 an hour a decent starting wage? Would paying more be too much of a burden on U.S. companies, or are they placing the burden on U.S. workers?

How do you think bankruptcies by both Chrysler and GM will affect Detroit and its residents?

The government says this course of action should help the automakers to reemerge stronger and more competitive. Do you think that is possible? Will it hold true for city of Detroit, too?

A reporter could contact you about using your thoughts in an upcoming article on CNNMoney.com.

How high do you think gas prices will reach this summer?

Are you worried about the rising cost of gas?

If gas prices continue to rise, will it impact your family’s travel plans?

The national average price of gas has jumped almost 20 cents in the first half of May.  Are higher gas prices effecting your driving habits? Your plans for a Memorial Day getaway? Or have you yet to increase your driving after reducing last summer, when gas averaged more than $4 per gallon?

A reporter could contact you for an upcoming story.

Do you support the Obama administration’s plan to reduce health care costs? Do you think it will work?

How have you and your family been finding ways to save on healh care?

What is your favorite spot or part of Detroit? What makes you stay, if you’re a resident. Or, what makes you come back to visit, if you’re a tourist or former resident?

How successful do you think President Obama’s First 100 Days have been? Has he lived up to your expectations in managing the economic recovery? What has he done well? What can he improve upon?

How did you save money on your taxes?  We want to hear from you!

There are several energy-related tax credits available.  Were you able to take advantage of them?  Tell us how.

When it comes to the state of your personal economy, what are you most concerned about?

Is it your job, house, retirement?  Let us know what you think.

Have you bought a new car? If so, what did you buy, why did you choose that vehicle, and what gave you the confidence to make the purchase?

Or, are you holding on to your old car and trying to limp it along? If so, is it a new model or are you driving a clunker? What are the maintenance costs?

If you are considering buying, are the new Dealer promotions – such as 0% financing, buying back the car if you’re laid off, etc. -  enticing you? Or what would it take to convince you to buy?

And would you buy a new American car? Or will the specter of bankruptcy push you to an import?

You story could be part of an upcoming article on CNNMoney.com. Remember: To be included we’ll need to use your name and a photo.

Tonight President Obama will address the nation at 8 p.m. to lay out the final details of his plan to revive the economy.

What questions do you still have or hope that he will answer?

Do you think President Obama and his team are on the right track?

Do you think his plan goes too far or not far enough?

Post your comments below, and they could be used in an upcoming story.