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" Cut back your spending now. "

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" I want to be clear here: It does not matter what you say in your will or trust; the beneficiary document attached to your IRA accounts and your life insurance policy overrides what you say elsewhere. If you want to change the beneficiary, you must change the beneficiary document. "

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

" So many financial dreams are thwarted by the failure to act upon good intentions. "

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

" 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. "

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

" It pays to be a fee fiend. "

" I want to work with the Philippine people and make life better there; there are systems I can work with. "

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

" There is no law saying you have to die before your assets can be passed to loved ones. In fact, gifting earlier can be a lovely way to witness how your money helps your family thrive. "

" 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. "

" Look everywhere you can to cut a little bit from your expenses. It will all add up to a meaningful sum. "

" It's fine to seek professional help, but I urge everyone - no matter how big their portfolio - to truly understand every suggestion they're given before acting. "

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

" 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. "

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

" 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. "

" If you wait until your children are high school seniors to spring it on them that there's not a whole lot of money for school, they won't have too many options. "

" Never invest emergency savings in the stock market. "

" In January we start saving money, getting out of credit card debt, funding our retirement accounts, and we're doing wonderful. Then, every single year like clockwork, starting in November, all of you fall into this trap that says, 'I have to buy this gift... I can't show up at this party and not have something for everybody.' "

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

" We never had it as rough as the kids have it today. Look at the price of a gallon of gas or a piece of real estate or a college education. "

" 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. "

" If you have debt I'm willing to bet that general clutter is a problem for you too. "

" Recast your current problems into proactive goals. "

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

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

" 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. "

" Sometimes poverty is the greatest gift you can ever be given. Sometimes loss is the key that leads you to gain. "

" 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. "