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" Look everywhere you can to cut a little bit from your expenses. It will all add up to a meaningful sum. "

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" 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. "

" 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. "

" 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. "

" 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. "

" Remember what I always say: people first, then money, then things. "

" If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do. "

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

" The world needs another vehicle to get people to pay in cash. "

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

" 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. "

" Owning a home is a keystone of wealth - both financial affluence and emotional security. "

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

" 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. "

" If you're financially responsible, your children have a much better chance to grow up financially responsible. "

" If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance. "

" 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. "

" 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. "

" If you're going to live in the house make it your goal to just pay off your mortgage. "

" The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases. "

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

" 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

" If you're saving for the long run, it's actually a good thing when the market is down because the more shares you have, the more you can potentially make when markets rise. And over time - decades, not months - the markets rise more than they fall. "

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

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

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

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

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

" Recast your current problems into proactive goals. "

" Structured settlements are a common way for people who have been injured to receive an insurance payout. The periodic payments provide ongoing income and reduce the risk of blowing a lump sum through poor financial choices. "

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