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" Never, ever invest money that you will need prior to three to five years - minimum. "

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

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

" Every time you overhear something hurtful, I want you to do something kind for someone else. "

" Credit card issuers and HELOC lenders are like fair-weather friends: They cozy up to you in good times, but when the economy heads south, they abandon you faster than Usain Bolt runs the 100 meters. "

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

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

" If you make any trades during the year, keep a record of each transaction for at least three years. "

" I want to conquer the unknown. I really, really want to live on the water and captain my own boat. I have dreamed of going around the world on a boat. "

" Focus on what you have. "

" I do not think I am successful just because I have money. I'm successful because I love who I am and I have no regrets, and I'm successful because I have a great heart and I have compassion and I care and I would be happy with or without money. "

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

" Never invest emergency savings in the stock market. "

" 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. "

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

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

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

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

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

" 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. "

" Happiness is not a luxury. It is a necessity. When we are happy, we are in the best possible place to be good to ourselves and those we love. "

" You have got to be the masters of your own financial future. "

" If you can't afford the upkeep of your home, it makes no sense to do a reverse mortgage. You will just end up having to sell eventually when you realize you can't afford the home, and whether you have any equity left after the sale depends on the size of the reverse loan that must be settled. "

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

" For all your long-term investments, such as retirement accounts that you won't touch for at least ten years, you need a mix of stocks and bonds. Stocks offer the best shot at inflation-beating gains. But stocks don't always go up. That's where bonds come into play: They have less upside potential, but they also do not pack the same risk. "

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

" 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. "

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

" Anything that gets people to think harder about their financial security and take some responsibility is a good thing. "

" 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. "

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