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" We women know how to take care of everybody so well. But the one person we have written out of the equation is us. "

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

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

" There is no law saying you have to die before your assets can be passed to loved ones. In fact, gifting earlier can be a lovely way to witness how your money helps your family thrive. "

" 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. "

" If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do. "

" Put your financial life on autopilot as a form of 'forced' saving. "

" 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. "

" 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. "

" 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. "

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

" There is nothing more beautiful than a confident woman. "

" Never cosign a loan. Once you have cosigned, you cannot get out of it - even on your deathbed. "

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

" To enjoy a long, comfortable retirement, save more today. "

" 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. "

" Owning a home is a keystone of wealth - both financial affluence and emotional security. "

" 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. "

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

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

" If you have debt I'm willing to bet that general clutter is a problem for you too. "

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

" 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. "

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

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

" 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. "

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

" 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. "

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

" I always knew that I would have to make it on my own somehow. "

" 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. "