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

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" 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.' "

" 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

" What I've learned is that the audience is constantly rotating. Just because it feels like I've said it, there are millions and millions of people that have still never heard of it. "

" Focus on what you have. "

" Raise your auto and home deductibles to $1,000 or more, and your premium cost falls at least 10 percent. "

" True generosity is an offering; given freely and out of pure love. No strings attached. No expectations. Time and love are the most valuable possession you can share. "

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

" Prenups are so unromantic - a sign of distrust, not love. Time for a reality check, my friends. First, drawing up a prenuptial agreement together is a sign of incredible trust and financial openness - you're fooling yourself if you think you can achieve complete intimacy without it. "

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

" 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. "

" 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. "

" Take free money. No matter how in debt you are, if your employer offers a matching contribution on a 401(k) or other retirement vehicle, you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus. "

" 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. "

" Thoughtful financial planning can easily take a backseat to daily life. "

" Money is such an amazing teacher: What you choose to do with your money shows whether you are truly powerful or powerless. "

" Money is kind of just like air - if you don't have air, you can't breathe. If you don't have money, I don't think you'll want to breathe - you won't want to live. "

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

" 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. "

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

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

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

" 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. "

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

" Not everything is about money. "

" Sometimes poverty is the greatest gift you can ever be given. Sometimes loss is the key that leads you to gain. "

" 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. "

" 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. "

" The American dream is dead for the majority of America. "

" People have got to learn: if they don't have cookies in the cookie jar, they can't eat cookies. "

" Grace is above praise and blame. I never read the bad stuff people write, but I never read the good stuff, either. Ever. I know who I am, and I know that God looks down on me and smiles. I know that - without a shadow of a doubt. "