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

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" Find $50 a month for savings. No excuses! "

" 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. "

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

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

" 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. "

" Prenups are so unromantic - a sign of distrust, not love. Time for a reality check, my friends. First, drawing up a prenuptial agreement together is a sign of incredible trust and financial openness - you're fooling yourself if you think you can achieve complete intimacy without it. "

" Success is not how many zeroes your bank account has. It's about making the most of the life you have. "

" 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. "

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

" 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. "

" 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. "

" Your credit score affects the interest rates you're offered on credit cards and loans, can be used to vet your job application, and in some states may influence your insurance premiums. "

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

" 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. "

" Learn how to prioritize all your debt. And did you know student loan debt is the most dangerous debt any of us can have? "

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

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

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

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

" 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

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

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

" Here's my gift-giving rule: Respect your current financial situation. "

" Never, ever invest money that you will need prior to three to five years - minimum. "

" 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. "

" Never invest emergency savings in the stock market. "

" You have got to be the masters of your own financial future. "

" 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. "

" 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.' "

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