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" The key to making money is to stay invested. "

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" When you give, give from the place of the heart because it is the right thing to do, not the easy thing to do. "

The Right Thing

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

" I want to conquer the unknown. I really, really want to live on the water and captain my own boat. I have dreamed of going around the world on a boat. "

" People have got to learn: if they don't have cookies in the cookie jar, they can't eat cookies. "

" I simply want you to give to yourself as much as you give of yourself. By taking care of yourself financially, you will truly be able to take care of those you love. "

" 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 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. "

" 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. "

" The world does not need another credit card. "

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

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

" Not everything is about money. "

" 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. "

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

" 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. "

" 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. "

" The last thing family and friends want is for you to spend money on them that you don't have or that you can't really spare. "

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

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

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

" If there is anyone dependent on your income - parents, children, relatives - you need life insurance. "

" 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. "

" Your credit score affects the interest rates you're offered on credit cards and loans, can be used to vet your job application, and in some states may influence your insurance premiums. "

" In all realms of life it takes courage to stretch your limits, express your power, and fulfill your potential... it's no different in the financial realm. "

" The less money you owe, the less income you'll need and the less you'll have to save for tomorrow. "

" 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. "

" Money you won't need to use for at least seven years is money for investing. The goal here is to have your account grow over time to help you finance a distant goal, such as building a retirement fund. Since your goal is in the future, money for investing belongs in stocks. "

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

" 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. "

" One journalist estimated my liquid net worth at $25 million. That's pretty close. My houses are worth another $7 million. "