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

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" 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. "

" To make the most of your money, I recommend sticking with mutual funds that don't charge a commission when you buy or sell. "

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

" 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. "

" I have a million dollars in the stock market, because if I lose a million dollars, I don't personally care. "

" 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. "

" If you're going to live in the house make it your goal to just pay off your mortgage. "

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

" 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. "

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

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

" 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. "

" 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. "

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

" 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. "

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

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

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

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

" The way to build your savings is by spending less each month. "

" Focus on what you have. "

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

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

" Cut back your spending now. "

" Get rid of debt now. "

" Every financial worry you want to banish and financial dream you want to achieve comes from taking tiny steps today that put you on a path toward your goals. "

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

" True generosity is an offering; given freely and out of pure love. No strings attached. No expectations. Time and love are the most valuable possession you can share. "

" 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. "

" Ignore the annual percentage rate when shopping for a mortgage. "