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

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

" 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. "

" 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. "

" Get rid of debt now. "

" If you're going down the street and you're going the wrong way, remember - God permits U-turns. "

" 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. "

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

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

" 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. "

" 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. "

" Happiness is not a luxury. It is a necessity. When we are happy, we are in the best possible place to be good to ourselves and those we love. "

" 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. "

" I think they've been baby bummers. "

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

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

" So many financial dreams are thwarted by the failure to act upon good intentions. "

" 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. "

" 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. "

" 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

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

" 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. "

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

" Understand and accept the cycles of money. The setbacks you may have today or next year will not keep you from financial freedom. If you hold on to your goals and dreams, you will get there. "

" Opt for a fixed-rate rather than an adjustable-rate mortgage. "

" When you are grateful - when you can see what you have - you unlock blessings to flow in your life. "

" Remember what I always say: people first, then money, then things. "

" 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. "

" Cut back your spending now. "

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

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