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

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" 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. "

" Find $50 a month for savings. No excuses! "

" 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. "

" Financial advice needs to change according to what is happening in the economy. "

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

" In January we start saving money, getting out of credit card debt, funding our retirement accounts, and we're doing wonderful. Then, every single year like clockwork, starting in November, all of you fall into this trap that says, 'I have to buy this gift... I can't show up at this party and not have something for everybody.' "

" The world needs another vehicle to get people to pay in cash. "

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

" 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. "

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

" If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape. "

" 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. "

" Get rid of debt now. "

" There is no law saying you have to die before your assets can be passed to loved ones. In fact, gifting earlier can be a lovely way to witness how your money helps your family thrive. "

" I always say, 'People first, then money, then things.' "

" Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings. "

" 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. "

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

" Never invest emergency savings in the stock market. "

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

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

" 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. "

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

" 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. "

" If you're financially responsible, your children have a much better chance to grow up financially responsible. "

" Cut back your spending now. "

" Prenups are so unromantic - a sign of distrust, not love. Time for a reality check, my friends. First, drawing up a prenuptial agreement together is a sign of incredible trust and financial openness - you're fooling yourself if you think you can achieve complete intimacy without it. "

" 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. "

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