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

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" Every portfolio benefits from bonds; they provide a cushion when the stock market hits a rough patch. But avoiding stocks completely could mean your investment won't grow any faster than the rate of inflation. "

" 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. "

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

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

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

" The middle class has disappeared. We have a highway to poverty and no roads coming out. "

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

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

" 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. "

" 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. "

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

" Cash - in savings accounts, short-term CDs or money market deposits - is great for an emergency fund. But to fulfill a long-term investment goal like funding your retirement, consider buying stocks. The more distant your financial target, the longer inflation will gnaw at the purchasing power of your money. "

" In January we start saving money, getting out of credit card debt, funding our retirement accounts, and we're doing wonderful. Then, every single year like clockwork, starting in November, all of you fall into this trap that says, 'I have to buy this gift... I can't show up at this party and not have something for everybody.' "

" Credit unions are often a better deal than banks and tend to pay higher yields on deposits. "

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

" I have always advocated doing everything possible to pay off credit card balances; it's good financial management and the ticket to a strong FICO credit score. "

" Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card. "

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

" I have never been a fan of bond funds. Unlike a direct investment in an individual bond that you can hold to maturity and be assured you will get your principal back (assuming no default), a fund has no finite maturity date and most funds are actively traded. "

" 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. "

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

" Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.' "

" A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out. "

" I want to work with the Philippine people and make life better there; there are systems I can work with. "

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

" 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. "

" Yes, your kids should go to school. No, you shouldn't bankroll their degree whatever the cost. You've spent your life creating a sound financial plan; don't upend it by suspending your retirement savings or taking out a home equity line of credit to pay for a pricey college. "

" Time is key to building your financial security. "

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

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