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

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" 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. "

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

" 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. "

" We never had it as rough as the kids have it today. Look at the price of a gallon of gas or a piece of real estate or a college education. "

" 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. "

" Cut back your spending now. "

" Take free money. No matter how in debt you are, if your employer offers a matching contribution on a 401(k) or other retirement vehicle, you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus. "

" 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. "

" If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance. "

" If you wait until your children are high school seniors to spring it on them that there's not a whole lot of money for school, they won't have too many options. "

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

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

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

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

" 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. "

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

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

" Owning a home is a keystone of wealth - both financial affluence and emotional security. "

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

" 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. "

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

" People first, then money, then things. "

" I do not think I am successful just because I have money. I'm successful because I love who I am and I have no regrets, and I'm successful because I have a great heart and I have compassion and I care and I would be happy with or without money. "

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

" I always knew that I would have to make it on my own somehow. "

" 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. "

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

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

" 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. "