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

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" If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do. "

" I have always advocated doing everything possible to pay off credit card balances; it's good financial management and the ticket to a strong FICO credit score. "

" 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. "

" If you're not staying on top of your money, you are putting your financial well-being at risk. "

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

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

" 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. "

" 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. "

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

" Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.' "

" If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape. "

" 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. "

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

" Every portfolio benefits from bonds; they provide a cushion when the stock market hits a rough patch. But avoiding stocks completely could mean your investment won't grow any faster than the rate of inflation. "

" Never invest emergency savings in the stock market. "

" Credit card issuers and HELOC lenders are like fair-weather friends: They cozy up to you in good times, but when the economy heads south, they abandon you faster than Usain Bolt runs the 100 meters. "

" 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. "

" Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings. "

" 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. "

" Give to yourself as much as you give of yourself! This means you have to put yourself first. "

" 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. "

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

" 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

" Remember what I always say: people first, then money, then things. "

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

" 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 get mad when people give me presents. I don't want them, I don't need them. "

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

" I do not think I am successful just because I have money. I'm successful because I love who I am and I have no regrets, and I'm successful because I have a great heart and I have compassion and I care and I would be happy with or without money. "