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

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

" It's fine to seek professional help, but I urge everyone - no matter how big their portfolio - to truly understand every suggestion they're given before acting. "

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

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

" Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.' "

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

" Success is not how many zeroes your bank account has. It's about making the most of the life you have. "

" The prenup needs to be drawn up months before the wedding, not days - it's not something you slap together and sign in the car on the way to the ceremony. A shotgun prenup might not hold up in court. "

" 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. "

" Thoughtful financial planning can easily take a backseat to daily life. "

" A wise woman recognizes when her life is out of balance and summons the courage to act to correct it, she knows the meaning of true generosity, happiness is the reward for a life lived in harmony, with a courage and grace. "

" 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. "

" 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. "

" Your credit score affects the interest rates you're offered on credit cards and loans, can be used to vet your job application, and in some states may influence your insurance premiums. "

" Courage is not always about action. It takes courage to do nothing rather than do something that you do not believe in or understand. "

" Opt for a fixed-rate rather than an adjustable-rate mortgage. "

" Credit unions are often a better deal than banks and tend to pay higher yields on deposits. "

" 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. "

" 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. "

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

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

" 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. "

" 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 new American dream is one of responsibility. What is the bottom-line number that you're going to be able to pay back toward a student loan responsibly if you're doing it yourself after you have a job? That dictates the amount of money you can borrow. That dictates the school you can go to, if you can even go to a four-year college at all. "

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

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

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

" We tend to focus on assets and forget about debts. Financial security requires facing up to the big picture: assets minus debts. "

" I am a big believer that orderliness begets wealth. "

" Many people are in the dark when it comes to money, and I'm going to turn on the lights. "