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

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

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

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

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

" 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. "

" I think they've been baby bummers. "

" Many people are in the dark when it comes to money, and I'm going to turn on the lights. "

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

" The last thing family and friends want is for you to spend money on them that you don't have or that you can't really spare. "

" A wise woman recognizes when her life is out of balance and summons the courage to act to correct it, she knows the meaning of true generosity, happiness is the reward for a life lived in harmony, with a courage and grace. "

" I always knew that I would have to make it on my own somehow. "

" 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. "

" 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. "

" Even if you were to fall into extreme financial hardship and file for bankruptcy, you need to understand that your student loan debt will not be discharged in bankruptcy. It is the Velcro of all debts. "

" 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. "

" Remember: If the IRS suspects you haven't reported income, it can challenge returns from the past six years. So if you are self-employed or have multiple income sources, hold on to six years of files to be absolutely safe. "

" 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. "

" Sometimes poverty is the greatest gift you can ever be given. Sometimes loss is the key that leads you to gain. "

" 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 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

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

" Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings. "

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

" 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. "

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

" 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. "

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

" If you're going to live in the house make it your goal to just pay off your mortgage. "

" 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. "

" 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. "