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" I want to work with the Philippine people and make life better there; there are systems I can work with. "

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" 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. "

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

" You must recognize, embrace, and be honest about what is real for you today and allow that understanding to inform the choices you make. Only then will you be able to build the future of your dreams. "

" 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. "

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

" The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem. "

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

" True generosity is an offering; given freely and out of pure love. No strings attached. No expectations. Time and love are the most valuable possession you can share. "

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

" 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. "

" If you wait until your children are high school seniors to spring it on them that there's not a whole lot of money for school, they won't have too many options. "

" Recast your current problems into proactive goals. "

" Every time you overhear something hurtful, I want you to do something kind for someone else. "

" 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. "

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

" Credit unions are often a better deal than banks and tend to pay higher yields on deposits. "

" 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. "

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

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

" I want to be clear here: It does not matter what you say in your will or trust; the beneficiary document attached to your IRA accounts and your life insurance policy overrides what you say elsewhere. If you want to change the beneficiary, you must change the beneficiary document. "

" 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. "

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

" 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. "

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

" 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. "

" For all your long-term investments, such as retirement accounts that you won't touch for at least ten years, you need a mix of stocks and bonds. Stocks offer the best shot at inflation-beating gains. But stocks don't always go up. That's where bonds come into play: They have less upside potential, but they also do not pack the same risk. "

" People have got to learn: if they don't have cookies in the cookie jar, they can't eat cookies. "

" They got married, they got divorced, and half their money goes out the window. "

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