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

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" When you're happy you find pure joy in your life. There are no regrets in this state of happiness - and that's a goal worth striving for in all areas of your life. "

" 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. "

" The world does not need another credit card. "

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

" 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. "

" Structured settlements are a common way for people who have been injured to receive an insurance payout. The periodic payments provide ongoing income and reduce the risk of blowing a lump sum through poor financial choices. "

" What I've learned is that the audience is constantly rotating. Just because it feels like I've said it, there are millions and millions of people that have still never heard of it. "

" We tend to focus on assets and forget about debts. Financial security requires facing up to the big picture: assets minus debts. "

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

" 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. "

" People often panic when the markets go down and sell off their stocks - but then they aren't in the game when the markets are doing well. "

" Get rid of debt now. "

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

" You should keep a copy of your tax return indefinitely, but you need to save supporting documents for only three years. "

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

" 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. "

" 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. "

" It pays to be a fee fiend. "

" Success is not how many zeroes your bank account has. It's about making the most of the life you have. "

" Remember: If the IRS suspects you haven't reported income, it can challenge returns from the past six years. So if you are self-employed or have multiple income sources, hold on to six years of files to be absolutely safe. "

" A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out. "

" 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. "

" 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. "

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

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

" Sometimes poverty is the greatest gift you can ever be given. Sometimes loss is the key that leads you to gain. "

" Sometimes your mind lets you do things with your money that make no sense. "

" 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. "

" Time is key to building your financial security. "

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