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" Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think. "

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" It's impossible to map out a route to your destination if you don't know where you're starting from. "

" Money you know you need or want to spend in the next few years is savings. Money you keep handy for an emergency belongs in savings. Money you hope to use soon for a down payment on a house belongs in savings. And all savings belong in a low-risk bank savings account or money market account. "

" Give a portion of your money to others. By releasing an anxious grasp on your money, you will open yourself to receive all that is meant to be yours. "

" The less money you owe, the less income you'll need and the less you'll have to save for tomorrow. "

" Success is not how many zeroes your bank account has. It's about making the most of the life you have. "

" Anything that gets people to think harder about their financial security and take some responsibility is a good thing. "

" 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. "

" 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. "

" A reverse mortgage is available to anyone who is at least 62 years old and owns a home outright, or has a small mortgage balance remaining. "

" Estate planning is an important and everlasting gift you can give your family. And setting up a smooth inheritance isn't as hard as you might think. "

" Take free money. No matter how in debt you are, if your employer offers a matching contribution on a 401(k) or other retirement vehicle, you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus. "

" To enjoy a long, comfortable retirement, save more today. "

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

" Time is key to building your financial security. "

" Get rid of debt now. "

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

" If you're financially responsible, your children have a much better chance to grow up financially responsible. "

" I simply want you to give to yourself as much as you give of yourself. By taking care of yourself financially, you will truly be able to take care of those you love. "

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

" If you're going to live in the house make it your goal to just pay off your mortgage. "

" Opposites may attract, but I wouldn't put my money on a relationship of financial opposites. "

" The American dream is dead for the majority of America. "

" 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. "

" I'm a big advocate of a work-for-pay setup rather than an allowance that isn't attached to chores - it's a great way to impart the value of money to your children. "

" Cut back your spending now. "

" Focus on what you have. "

" If you're going down the street and you're going the wrong way, remember - God permits U-turns. "

" To make the most of your money, I recommend sticking with mutual funds that don't charge a commission when you buy or sell. "

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

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

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