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" Make it a priority to have at least eight months of living costs set aside in a federally insured bank or credit union account. "

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

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

" 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. "

" To enjoy a long, comfortable retirement, save more today. "

" 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. "

" 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. "

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

" Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings. "

" A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life. "

" For seven years after college, I was a waitress at the Buttercup Bakery in Berkeley, and from there I got a job at Merrill Lynch as an account executive, from where I went to vice president of investments for Prudential-Bache Securities. I started my own firm in 1987. "

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

" Put your financial life on autopilot as a form of 'forced' saving. "

" The less money you owe, the less income you'll need and the less you'll have to save for tomorrow. "

" Not everything is about money. "

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

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

" 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. "

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

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

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

" 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. "

" Learn to recognize true wealth. Money itself will not make you financially free. That comes as a result of only that powerful state of mind which tells us that we are worth far more than our money. "

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

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

" 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. "

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

" People first, then money, then things. "

" 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. "

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