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

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" 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. "

" A revocable living trust allows your heirs to avoid probate entirely and keeps you in complete control of your finances while you're alive. You can always make changes to what's in the trust and to how you'd ultimately like it managed or disbursed. "

" 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. "

" Money is kind of just like air - if you don't have air, you can't breathe. If you don't have money, I don't think you'll want to breathe - you won't want to live. "

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

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

" 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. "

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

" 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. "

" The less you have to think about how to spend every dollar, the more likely you are to spend wisely. "

" Give a portion of your money to others. By releasing an anxious grasp on your money, you will open yourself to receive all that is meant to be yours. "

" When you are grateful - when you can see what you have - you unlock blessings to flow in your life. "

" I think they've been baby bummers. "

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

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

" I want to be clear here: It does not matter what you say in your will or trust; the beneficiary document attached to your IRA accounts and your life insurance policy overrides what you say elsewhere. If you want to change the beneficiary, you must change the beneficiary document. "

" While a reverse mortgage can indeed be a viable way to generate income, it is very important to understand that after you take out a reverse mortgage, you will still be responsible for paying the property tax, the insurance premium, and all the maintenance costs for your home. "

" We never had it as rough as the kids have it today. Look at the price of a gallon of gas or a piece of real estate or a college education. "

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

" 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. "

" It's impossible to map out a route to your destination if you don't know where you're starting from. "

" 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. "

" Money you know you need or want to spend in the next few years is savings. Money you keep handy for an emergency belongs in savings. Money you hope to use soon for a down payment on a house belongs in savings. And all savings belong in a low-risk bank savings account or money market account. "

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

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

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

" 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. "

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

" Never cosign a loan. Once you have cosigned, you cannot get out of it - even on your deathbed. "

" I love the Roth IRA. Tax-free income in retirement is a truly great deal. "