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" Raise your auto and home deductibles to $1,000 or more, and your premium cost falls at least 10 percent. "

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" 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. "

" 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 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. "

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

" People first, then money, then things. "

" 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. "

" 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. "

" Time is key to building your financial security. "

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

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

" Remember what I always say: people first, then money, then things. "

" The world does not need another credit card. "

" 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. "

" They got married, they got divorced, and half their money goes out the window. "

" 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. "

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

" We women know how to take care of everybody so well. But the one person we have written out of the equation is us. "

" Never invest emergency savings in the stock market. "

" 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 goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings. "

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

" 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. "

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

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

" I think they've been baby bummers. "

" 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. "

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

" Not everything is about money. "

" 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. "

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