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

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

" Get rid of debt now. "

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

" Recast your current problems into proactive goals. "

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

" I'm a big advocate of a work-for-pay setup rather than an allowance that isn't attached to chores - it's a great way to impart the value of money to your children. "

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

" 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. "

" 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. "

" 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

" When you're happy you find pure joy in your life. There are no regrets in this state of happiness - and that's a goal worth striving for in all areas of your life. "

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

" 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. "

" Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card. "

" 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. "

" Money you know you need or want to spend in the next few years is savings. Money you keep handy for an emergency belongs in savings. Money you hope to use soon for a down payment on a house belongs in savings. And all savings belong in a low-risk bank savings account or money market account. "

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

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

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

" It's easy to underestimate the real cost of home ownership. "

" When you lose something in your life, stop thinking it's a loss for you... it is a gift you have been given so you can get on the right path to where you are meant to go, not to where you think you should have gone. "

" 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. "

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

" Estate planning is an important and everlasting gift you can give your family. And setting up a smooth inheritance isn't as hard as you might think. "

" Put your financial life on autopilot as a form of 'forced' saving. "

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

" People often panic when the markets go down and sell off their stocks - but then they aren't in the game when the markets are doing well. "

" For seven years after college, I was a waitress at the Buttercup Bakery in Berkeley, and from there I got a job at Merrill Lynch as an account executive, from where I went to vice president of investments for Prudential-Bache Securities. I started my own firm in 1987. "

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

" It pays to be a fee fiend. "