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

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" Cash - in savings accounts, short-term CDs or money market deposits - is great for an emergency fund. But to fulfill a long-term investment goal like funding your retirement, consider buying stocks. The more distant your financial target, the longer inflation will gnaw at the purchasing power of your money. "

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

" The way to build your savings is by spending less each month. "

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

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

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

" Cut back your spending now. "

" 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. "

" I always say, 'People first, then money, then things.' "

" Recast your current problems into proactive goals. "

" If you pay off your mortgage before retirement, you take a huge financial load off your shoulders. You also become eligible to take out a reverse mortgage once you turn 62. "

" Ignore the annual percentage rate when shopping for a mortgage. "

" I love the Roth IRA. Tax-free income in retirement is a truly great deal. "

" Understand and accept the cycles of money. The setbacks you may have today or next year will not keep you from financial freedom. If you hold on to your goals and dreams, you will get there. "

" 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. "

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

" 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. "

" Everybody in America started to define themselves by all these things they had around them. And all of a sudden it came tumbling down. So the old American dream has died, and that is a good thing. "

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

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

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

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

" 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. "

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

" You must trust yourself more than you trust others. Pay attention to your inner voice - it will tell you if how and in what you are investing is right for you. "

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

" The key to making money is to stay invested. "

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

" 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. "

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