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

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" 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. "

" A wise woman knows how to summon her courage and do what is right, rather than what is easy. "

" It's impossible to map out a route to your destination if you don't know where you're starting from. "

" 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. "

" Raise your auto and home deductibles to $1,000 or more, and your premium cost falls at least 10 percent. "

" 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. "

" 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. "

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

" Make it a priority to have at least eight months of living costs set aside in a federally insured bank or credit union account. "

" 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. "

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

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

" The world needs another vehicle to get people to pay in cash. "

" The chances of a bank going out of business are extremely slim, but it's always a good idea to spread around major sums so every penny is backed by insurance. "

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

" In all realms of life it takes courage to stretch your limits, express your power, and fulfill your potential... it's no different in the financial realm. "

" 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. "

" Not everything is about money. "

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

" 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. "

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

" 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. "

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

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

" If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do. "

" 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. "

" 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. "

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

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

" 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. "