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" A cash advance on a credit card is one of the worst types of borrowing because the interest rate is typically 21 percent or more. "

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" Put your financial life on autopilot as a form of 'forced' saving. "

" The way to build your savings is by spending less each month. "

" They got married, they got divorced, and half their money goes out the window. "

" The world needs another vehicle to get people to pay in cash. "

" When you give, give from the place of the heart because it is the right thing to do, not the easy thing to do. "

The Right Thing

" I have never been a fan of bond funds. Unlike a direct investment in an individual bond that you can hold to maturity and be assured you will get your principal back (assuming no default), a fund has no finite maturity date and most funds are actively traded. "

" I always knew that I would have to make it on my own somehow. "

" Don't let what others think or say get in your way; their actions reflect on them, not you. "

" I want to conquer the unknown. I really, really want to live on the water and captain my own boat. I have dreamed of going around the world on a boat. "

" Private student loans should be avoided at all costs. "

" The key to making money is to stay invested. "

" If you can't afford the upkeep of your home, it makes no sense to do a reverse mortgage. You will just end up having to sell eventually when you realize you can't afford the home, and whether you have any equity left after the sale depends on the size of the reverse loan that must be settled. "

" I generally encourage people to make good on debts when they have enough money to repay them. But once a delinquency has been reported to a collection agency, paying it off won't help your FICO score. The damage has already been done, and the blemish will remain on your credit report for seven years. "

" Everybody in America started to define themselves by all these things they had around them. And all of a sudden it came tumbling down. So the old American dream has died, and that is a good thing. "

" Money is kind of just like air - if you don't have air, you can't breathe. If you don't have money, I don't think you'll want to breathe - you won't want to live. "

" Sometimes your mind lets you do things with your money that make no sense. "

" There is nothing more beautiful than a confident woman. "

" Just because you can afford it doesn't mean you should buy it. "

" The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases. "

" If you're saving for the long run, it's actually a good thing when the market is down because the more shares you have, the more you can potentially make when markets rise. And over time - decades, not months - the markets rise more than they fall. "

" The middle class has disappeared. We have a highway to poverty and no roads coming out. "

" Happiness is not a luxury. It is a necessity. When we are happy, we are in the best possible place to be good to ourselves and those we love. "

" Thoughtful financial planning can easily take a backseat to daily life. "

" If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance. "

" Cash - in savings accounts, short-term CDs or money market deposits - is great for an emergency fund. But to fulfill a long-term investment goal like funding your retirement, consider buying stocks. The more distant your financial target, the longer inflation will gnaw at the purchasing power of your money. "

" I love, love, love that you want to use your debit card. But to keep your credit score solid, you still need to keep a few credit cards and use them at least once every few months. "

" If you wait to see how much money you have left at the end of the month to put toward savings, the answer may be zero. So, set up an automated monthly transfer from your checking to savings account. Once you lock into that commitment, you'll be forced to scale back spending to make ends meet. "

" One journalist estimated my liquid net worth at $25 million. That's pretty close. My houses are worth another $7 million. "

" People have got to learn: if they don't have cookies in the cookie jar, they can't eat cookies. "

" My greatest pleasure is still flying private. I spend between $300,000 to $500,000, depending on my year, on flying private. "