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" Pay off your mortgage before retirement, and that's one less bill you'll have to worry about when you're on a fixed income. "

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" Remember: If the IRS suspects you haven't reported income, it can challenge returns from the past six years. So if you are self-employed or have multiple income sources, hold on to six years of files to be absolutely safe. "

" 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. "

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

" 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. "

" 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. "

" The world does not need another credit card. "

" When you lose something in your life, stop thinking it's a loss for you... it is a gift you have been given so you can get on the right path to where you are meant to go, not to where you think you should have gone. "

" The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track. "

" 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 are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards. "

" Yes, your kids should go to school. No, you shouldn't bankroll their degree whatever the cost. You've spent your life creating a sound financial plan; don't upend it by suspending your retirement savings or taking out a home equity line of credit to pay for a pricey college. "

" 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. "

" The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases. "

" I love, love, love that you want to use your debit card. But to keep your credit score solid, you still need to keep a few credit cards and use them at least once every few months. "

" 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. "

" It's easy to underestimate the real cost of home ownership. "

" Estate planning is an important and everlasting gift you can give your family. And setting up a smooth inheritance isn't as hard as you might think. "

" The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem. "

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

" So many financial dreams are thwarted by the failure to act upon good intentions. "

" 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. "

" It's not what you make, but how you feel about what you make and what you spend. "

" A reverse mortgage is available to anyone who is at least 62 years old and owns a home outright, or has a small mortgage balance remaining. "

" 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. "

" When someone chooses to value herself over the things she can buy, true transformation begins. "

" 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. "

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

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

" Recast your current problems into proactive goals. "

" Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think. "