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" Time is key to building your financial security. "

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" 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 always say, 'People first, then money, then things.' "

" 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. "

" Who would you want to be giving you advice? Somebody who doesn't have any money? "

" The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts. "

" Financial advice needs to change according to what is happening in the economy. "

" 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. "

" 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. "

" Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score. "

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

" To make the most of your money, I recommend sticking with mutual funds that don't charge a commission when you buy or sell. "

" It pays to be a fee fiend. "

" Give a portion of your money to others. By releasing an anxious grasp on your money, you will open yourself to receive all that is meant to be yours. "

" I have a million dollars in the stock market, because if I lose a million dollars, I don't personally care. "

" I have never been a fan of bond funds. Unlike a direct investment in an individual bond that you can hold to maturity and be assured you will get your principal back (assuming no default), a fund has no finite maturity date and most funds are actively traded. "

" In order to create lasting security you must learn to stand in your truth. "

" 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. "

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

" Estate planning is an important and everlasting gift you can give your family. And setting up a smooth inheritance isn't as hard as you might think. "

" 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. "

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

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

" 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. "

" 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. "

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

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

" 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. "

" 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. "

" 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. "

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