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" The world does not need another credit card. "

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

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

" 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. "

" If you're not staying on top of your money, you are putting your financial well-being at risk. "

" 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. "

" Time is key to building your financial security. "

" 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. "

" 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. "

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

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

" 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. "

" While a reverse mortgage can indeed be a viable way to generate income, it is very important to understand that after you take out a reverse mortgage, you will still be responsible for paying the property tax, the insurance premium, and all the maintenance costs for your home. "

" 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. "

" If you're going down the street and you're going the wrong way, remember - God permits U-turns. "

" So many financial dreams are thwarted by the failure to act upon good intentions. "

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

" Every portfolio benefits from bonds; they provide a cushion when the stock market hits a rough patch. But avoiding stocks completely could mean your investment won't grow any faster than the rate of inflation. "

" I think they've been baby bummers. "

" You must trust yourself more than you trust others. Pay attention to your inner voice - it will tell you if how and in what you are investing is right for you. "

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

" The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track. "

" I generally encourage people to make good on debts when they have enough money to repay them. But once a delinquency has been reported to a collection agency, paying it off won't help your FICO score. The damage has already been done, and the blemish will remain on your credit report for seven years. "

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

" Once your kids are grown and you know that you're completely healthy, consider canceling your life insurance policy. "

" Get rid of debt now. "

" When it comes to tackling your financial goals, whatever they might be, there's no time like the present. "

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

" If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards. "

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