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

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" 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. "

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

" 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. "

" 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. "

" Remember what I always say: people first, then money, then things. "

" Opt for a fixed-rate rather than an adjustable-rate mortgage. "

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

" 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. "

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

" The new American dream is one of responsibility. What is the bottom-line number that you're going to be able to pay back toward a student loan responsibly if you're doing it yourself after you have a job? That dictates the amount of money you can borrow. That dictates the school you can go to, if you can even go to a four-year college at all. "

" The middle class has disappeared. We have a highway to poverty and no roads coming out. "

" Many people are in the dark when it comes to money, and I'm going to turn on the lights. "

" 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. "

" The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases. "

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

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

" In all realms of life it takes courage to stretch your limits, express your power, and fulfill your potential... it's no different in the financial realm. "

" When someone chooses to value herself over the things she can buy, true transformation begins. "

" 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. "

" 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. "

" A revocable living trust allows your heirs to avoid probate entirely and keeps you in complete control of your finances while you're alive. You can always make changes to what's in the trust and to how you'd ultimately like it managed or disbursed. "

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

" 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. "

" 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. "

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

" Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.' "

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

" My greatest pleasure is still flying private. I spend between $300,000 to $500,000, depending on my year, on flying private. "

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

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