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" Make this the year you tackle that credit card debt once and for all. "

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" 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. "

" 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. "

" I always knew that I would have to make it on my own somehow. "

" The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts. "

" The chances of a bank going out of business are extremely slim, but it's always a good idea to spread around major sums so every penny is backed by insurance. "

" If you're going down the street and you're going the wrong way, remember - God permits U-turns. "

" 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. "

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

" Give to yourself as much as you give of yourself! This means you have to put yourself first. "

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

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

" I think they've been baby bummers. "

" 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. "

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

" 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. "

" 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. "

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

" 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. "

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

" You must recognize, embrace, and be honest about what is real for you today and allow that understanding to inform the choices you make. Only then will you be able to build the future of your dreams. "

" If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape. "

" A cash advance on a credit card is one of the worst types of borrowing because the interest rate is typically 21 percent or more. "

" Focus on what you have. "

" 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. "

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

" 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. "

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

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

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

" To make the most of your money, I recommend sticking with mutual funds that don't charge a commission when you buy or sell. "