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" A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out. "

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" The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts. "

" It wasn't until I stood in my truth and told everybody that I had $250,000 in credit card debt. At that point, everything turned around for me. I had to reveal the truth about what I didn't have, more than pretend about what I did. That was interesting. "

" Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card. "

" You must recognize, embrace, and be honest about what is real for you today and allow that understanding to inform the choices you make. Only then will you be able to build the future of your dreams. "

" The chances of a bank going out of business are extremely slim, but it's always a good idea to spread around major sums so every penny is backed by insurance. "

" Cut back your spending now. "

" People often panic when the markets go down and sell off their stocks - but then they aren't in the game when the markets are doing well. "

" Every time you overhear something hurtful, I want you to do something kind for someone else. "

" It's easy to underestimate the real cost of home ownership. "

" 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. "

" The new American dream is one of responsibility. What is the bottom-line number that you're going to be able to pay back toward a student loan responsibly if you're doing it yourself after you have a job? That dictates the amount of money you can borrow. That dictates the school you can go to, if you can even go to a four-year college at all. "

" Time is key to building your financial security. "

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

" Remember: If the IRS suspects you haven't reported income, it can challenge returns from the past six years. So if you are self-employed or have multiple income sources, hold on to six years of files to be absolutely safe. "

" Financial advice needs to change according to what is happening in the economy. "

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

" Money you won't need to use for at least seven years is money for investing. The goal here is to have your account grow over time to help you finance a distant goal, such as building a retirement fund. Since your goal is in the future, money for investing belongs in stocks. "

" The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track. "

" People first, then money, then things. "

" No one's ever achieved financial fitness with a January resolution that's abandoned by February. "

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

" I am a big believer that orderliness begets wealth. "

" I have a million dollars in the stock market, because if I lose a million dollars, I don't personally care. "

" The world does not need another credit card. "

" The prenup needs to be drawn up months before the wedding, not days - it's not something you slap together and sign in the car on the way to the ceremony. A shotgun prenup might not hold up in court. "

" It may take you months or even a few years to build up an adequate emergency savings fund. That's okay. "

" We women know how to take care of everybody so well. But the one person we have written out of the equation is us. "

" If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards. "

" Every financial worry you want to banish and financial dream you want to achieve comes from taking tiny steps today that put you on a path toward your goals. "

" When someone chooses to value herself over the things she can buy, true transformation begins. "