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" Thoughtful financial planning can easily take a backseat to daily life. "

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" Never invest emergency savings in the stock market. "

" 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. "

" 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. "

" If you wait to see how much money you have left at the end of the month to put toward savings, the answer may be zero. So, set up an automated monthly transfer from your checking to savings account. Once you lock into that commitment, you'll be forced to scale back spending to make ends meet. "

" 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. "

" 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. "

" If you make any trades during the year, keep a record of each transaction for at least three years. "

" 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

" I'm a big advocate of a work-for-pay setup rather than an allowance that isn't attached to chores - it's a great way to impart the value of money to your children. "

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

" They got married, they got divorced, and half their money goes out the window. "

" If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape. "

" 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. "

" Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card. "

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

" Never, ever invest money that you will need prior to three to five years - minimum. "

" 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. "

" 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. "

" I want to be clear here: It does not matter what you say in your will or trust; the beneficiary document attached to your IRA accounts and your life insurance policy overrides what you say elsewhere. If you want to change the beneficiary, you must change the beneficiary document. "

" I get mad when people give me presents. I don't want them, I don't need them. "

" 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. "

" 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. "

" 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. "

" Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think. "

" A wise woman knows how to summon her courage and do what is right, rather than what is easy. "

" It pays to be a fee fiend. "

" Everybody in America started to define themselves by all these things they had around them. And all of a sudden it came tumbling down. So the old American dream has died, and that is a good thing. "

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

" I want to work with the Philippine people and make life better there; there are systems I can work with. "

" 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. "