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" I want to conquer the unknown. I really, really want to live on the water and captain my own boat. I have dreamed of going around the world on a boat. "

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" If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance. "

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

" 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. "

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

" I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5,000 credit card balance. "

" It pays to be a fee fiend. "

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

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

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

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

" We tend to focus on assets and forget about debts. Financial security requires facing up to the big picture: assets minus debts. "

" I love, love, love that you want to use your debit card. But to keep your credit score solid, you still need to keep a few credit cards and use them at least once every few months. "

" It's not what you make, but how you feel about what you make and what you spend. "

" Time is key to building your financial security. "

" 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. "

" 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. "

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

" Money you won't need to use for at least seven years is money for investing. The goal here is to have your account grow over time to help you finance a distant goal, such as building a retirement fund. Since your goal is in the future, money for investing belongs in stocks. "

" 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. "

" When it comes to tackling your financial goals, whatever they might be, there's no time like the present. "

" Get rid of debt now. "

" Courage is not always about action. It takes courage to do nothing rather than do something that you do not believe in or understand. "

" 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. "

" 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. "

" 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. "

" 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. "

" Focus on what you have. "

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

" 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. "

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