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

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" The less money you owe, the less income you'll need and the less you'll have to save for tomorrow. "

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

" Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings. "

" 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. "

" When you are grateful - when you can see what you have - you unlock blessings to flow in your life. "

" I think they've been baby bummers. "

" The key to making money is to stay invested. "

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

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

" 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. "

" Make this the year you tackle that credit card debt once and for all. "

" 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. "

" I do not think I am successful just because I have money. I'm successful because I love who I am and I have no regrets, and I'm successful because I have a great heart and I have compassion and I care and I would be happy with or without money. "

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

" 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. "

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

" 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. "

" Here's my gift-giving rule: Respect your current financial situation. "

" Yes, your kids should go to school. No, you shouldn't bankroll their degree whatever the cost. You've spent your life creating a sound financial plan; don't upend it by suspending your retirement savings or taking out a home equity line of credit to pay for a pricey college. "

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

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

" Look everywhere you can to cut a little bit from your expenses. It will all add up to a meaningful sum. "

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

" Money is such an amazing teacher: What you choose to do with your money shows whether you are truly powerful or powerless. "

" 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. "

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

" You must recognize, embrace, and be honest about what is real for you today and allow that understanding to inform the choices you make. Only then will you be able to build the future of your dreams. "

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

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

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