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

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" 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. "

" The less money you owe, the less income you'll need and the less you'll have to save for tomorrow. "

" Once your kids are grown and you know that you're completely healthy, consider canceling your life insurance policy. "

" If you make any trades during the year, keep a record of each transaction for at least three years. "

" There is nothing more beautiful than a confident woman. "

" One journalist estimated my liquid net worth at $25 million. That's pretty close. My houses are worth another $7 million. "

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

" The way to build your savings is by spending less each month. "

" Pay off your mortgage before retirement, and that's one less bill you'll have to worry about when you're on a fixed income. "

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

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

" 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. "

" Never cosign a loan. Once you have cosigned, you cannot get out of it - even on your deathbed. "

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

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

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

" 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. "

" I simply want you to give to yourself as much as you give of yourself. By taking care of yourself financially, you will truly be able to take care of those you love. "

" 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. "

" Learn how to prioritize all your debt. And did you know student loan debt is the most dangerous debt any of us can have? "

" People first, then money, then things. "

" 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. "

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

" Recast your current problems into proactive goals. "

" 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. "

" It's fine to seek professional help, but I urge everyone - no matter how big their portfolio - to truly understand every suggestion they're given before acting. "

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

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

" Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score. "