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" Get rid of debt now. "

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

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

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

" 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. "

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

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

" What I've learned is that the audience is constantly rotating. Just because it feels like I've said it, there are millions and millions of people that have still never heard of it. "

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

" A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life. "

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

" Money is kind of just like air - if you don't have air, you can't breathe. If you don't have money, I don't think you'll want to breathe - you won't want to live. "

" Just because you can afford it doesn't mean you should buy it. "

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

" 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. "

" Owning a home is a keystone of wealth - both financial affluence and emotional security. "

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

" If you wait to see how much money you have left at the end of the month to put toward savings, the answer may be zero. So, set up an automated monthly transfer from your checking to savings account. Once you lock into that commitment, you'll be forced to scale back spending to make ends meet. "

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

" If there is anyone dependent on your income - parents, children, relatives - you need life insurance. "

" 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. "

" I generally encourage people to make good on debts when they have enough money to repay them. But once a delinquency has been reported to a collection agency, paying it off won't help your FICO score. The damage has already been done, and the blemish will remain on your credit report for seven years. "

" 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. "

" Learn to recognize true wealth. Money itself will not make you financially free. That comes as a result of only that powerful state of mind which tells us that we are worth far more than our money. "

" 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. "

" 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. "

" Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score. "

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

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

" Once your kids are grown and you know that you're completely healthy, consider canceling your life insurance policy. "

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