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

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" 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. "

" Grace is above praise and blame. I never read the bad stuff people write, but I never read the good stuff, either. Ever. I know who I am, and I know that God looks down on me and smiles. I know that - without a shadow of a doubt. "

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

" 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. "

" 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. "

" Never cosign a loan. Once you have cosigned, you cannot get out of it - even on your deathbed. "

" Raise your auto and home deductibles to $1,000 or more, and your premium cost falls at least 10 percent. "

" While a reverse mortgage can indeed be a viable way to generate income, it is very important to understand that after you take out a reverse mortgage, you will still be responsible for paying the property tax, the insurance premium, and all the maintenance costs for your home. "

" In all realms of life it takes courage to stretch your limits, express your power, and fulfill your potential... it's no different in the financial realm. "

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

" Like your home's closets, your financial clutter needs an overhaul every now and again, and the payoff will go far beyond the psychic satisfaction of neatening up. "

" 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. "

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

" 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. "

" Make it a priority to have at least eight months of living costs set aside in a federally insured bank or credit union account. "

" 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. "

" The less you have to think about how to spend every dollar, the more likely you are to spend wisely. "

" When you are grateful - when you can see what you have - you unlock blessings to flow in your life. "

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

" 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. "

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

" Recast your current problems into proactive goals. "

" 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. "

" Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings. "

" Make this the year you tackle that credit card debt once and for all. "

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

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

" A wise woman recognizes when her life is out of balance and summons the courage to act to correct it, she knows the meaning of true generosity, happiness is the reward for a life lived in harmony, with a courage and grace. "

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

" Who would you want to be giving you advice? Somebody who doesn't have any money? "