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

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" 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. "

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

" 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. "

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

" If there is anyone dependent on your income - parents, children, relatives - you need life insurance. "

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

" It's impossible to map out a route to your destination if you don't know where you're starting from. "

" The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track. "

" I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5,000 credit card balance. "

" 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. "

" Once your kids are grown and you know that you're completely healthy, consider canceling your life insurance policy. "

" 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. "

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

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

" The world does not need another credit card. "

" When you're happy you find pure joy in your life. There are no regrets in this state of happiness - and that's a goal worth striving for in all areas of your life. "

" 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. "

" 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. "

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

" 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. "

" You must trust yourself more than you trust others. Pay attention to your inner voice - it will tell you if how and in what you are investing is right for you. "

" 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. "

" Get rid of debt now. "

" When it comes to tackling your financial goals, whatever they might be, there's no time like the present. "

" 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. "

" If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards. "

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

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

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

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