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" It may take you months or even a few years to build up an adequate emergency savings fund. That's okay. "

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

" 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. "

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

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

" 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. "

" 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. "

" 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. "

" 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. "

" I always say, 'People first, then money, then things.' "

" 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. "

" 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. "

" If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape. "

" Cut back your spending now. "

" A revocable living trust allows your heirs to avoid probate entirely and keeps you in complete control of your finances while you're alive. You can always make changes to what's in the trust and to how you'd ultimately like it managed or disbursed. "

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

" Private student loans should be avoided at all costs. "

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

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

" I get mad when people give me presents. I don't want them, I don't need them. "

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

" 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. "

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

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

" It pays to be a fee fiend. "

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

" Everybody in America started to define themselves by all these things they had around them. And all of a sudden it came tumbling down. So the old American dream has died, and that is a good thing. "

" You should keep a copy of your tax return indefinitely, but you need to save supporting documents for only three years. "

" Money you won't need to use for at least seven years is money for investing. The goal here is to have your account grow over time to help you finance a distant goal, such as building a retirement fund. Since your goal is in the future, money for investing belongs in stocks. "

" Get rid of debt now. "

" It wasn't until I stood in my truth and told everybody that I had $250,000 in credit card debt. At that point, everything turned around for me. I had to reveal the truth about what I didn't have, more than pretend about what I did. That was interesting. "