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" In order to create lasting security you must learn to stand in your truth. "

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" When you lose something in your life, stop thinking it's a loss for you... it is a gift you have been given so you can get on the right path to where you are meant to go, not to where you think you should have gone. "

" Don't let what others think or say get in your way; their actions reflect on them, not you. "

" 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. "

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

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

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

" 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. "

" I generally encourage people to make good on debts when they have enough money to repay them. But once a delinquency has been reported to a collection agency, paying it off won't help your FICO score. The damage has already been done, and the blemish will remain on your credit report for seven years. "

" Courage is not always about action. It takes courage to do nothing rather than do something that you do not believe in or understand. "

" Never invest emergency savings in the stock market. "

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

" 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. "

" Opposites may attract, but I wouldn't put my money on a relationship of financial opposites. "

" 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. "

" Who would you want to be giving you advice? Somebody who doesn't have any money? "

" 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. "

" 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. "

" Give a portion of your money to others. By releasing an anxious grasp on your money, you will open yourself to receive all that is meant to be yours. "

" If you wait to see how much money you have left at the end of the month to put toward savings, the answer may be zero. So, set up an automated monthly transfer from your checking to savings account. Once you lock into that commitment, you'll be forced to scale back spending to make ends meet. "

" The world does not need another credit card. "

" 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. "

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

" I am a big believer that orderliness begets wealth. "

" A reverse mortgage is available to anyone who is at least 62 years old and owns a home outright, or has a small mortgage balance remaining. "

" 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. "

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

" Time is key to building your financial security. "

" The key to making money is to stay invested. "