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

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" 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. "

" 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. "

" For all your long-term investments, such as retirement accounts that you won't touch for at least ten years, you need a mix of stocks and bonds. Stocks offer the best shot at inflation-beating gains. But stocks don't always go up. That's where bonds come into play: They have less upside potential, but they also do not pack the same risk. "

" Get rid of debt now. "

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

" If you pay off your mortgage before retirement, you take a huge financial load off your shoulders. You also become eligible to take out a reverse mortgage once you turn 62. "

" Every time you overhear something hurtful, I want you to do something kind for someone else. "

" 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. "

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

" 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. "

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

" 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. "

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

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

" I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5,000 credit card balance. "

" 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

" Like your home's closets, your financial clutter needs an overhaul every now and again, and the payoff will go far beyond the psychic satisfaction of neatening up. "

" We women know how to take care of everybody so well. But the one person we have written out of the equation is us. "

" You have got to be the masters of your own financial future. "

" Make it a priority to have at least eight months of living costs set aside in a federally insured bank or credit union account. "

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

" 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. "

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

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

" Don't let what others think or say get in your way; their actions reflect on them, not you. "

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

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

" Cash - in savings accounts, short-term CDs or money market deposits - is great for an emergency fund. But to fulfill a long-term investment goal like funding your retirement, consider buying stocks. The more distant your financial target, the longer inflation will gnaw at the purchasing power of your money. "

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

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