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" Sometimes poverty is the greatest gift you can ever be given. Sometimes loss is the key that leads you to gain. "

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

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

" Focus on what you have. "

" Happiness is not a luxury. It is a necessity. When we are happy, we are in the best possible place to be good to ourselves and those we love. "

" 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. "

" The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts. "

" 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. "

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

" The middle class has disappeared. We have a highway to poverty and no roads coming out. "

" Money is such an amazing teacher: What you choose to do with your money shows whether you are truly powerful or powerless. "

" 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. "

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

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

" Make this the year you tackle that credit card debt once and for all. "

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

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

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

" 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. "

" 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. "

" If you make any trades during the year, keep a record of each transaction for at least three years. "

" Give to yourself as much as you give of yourself! This means you have to put yourself first. "

" Sometimes your mind lets you do things with your money that make no sense. "

" If you wait to see how much money you have left at the end of the month to put toward savings, the answer may be zero. So, set up an automated monthly transfer from your checking to savings account. Once you lock into that commitment, you'll be forced to scale back spending to make ends meet. "

" Recast your current problems into proactive goals. "

" If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do. "

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

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

" The world does not need another credit card. "

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