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

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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. "

" 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. "

" The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track. "

" People first, then money, then things. "

" 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. "

" 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. "

" The less you have to think about how to spend every dollar, the more likely you are to spend wisely. "

" In January we start saving money, getting out of credit card debt, funding our retirement accounts, and we're doing wonderful. Then, every single year like clockwork, starting in November, all of you fall into this trap that says, 'I have to buy this gift... I can't show up at this party and not have something for everybody.' "

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

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

" Find $50 a month for savings. No excuses! "

" 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. "

" Just because you can afford it doesn't mean you should buy it. "

" 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. "

" If you pay off your mortgage before retirement, you take a huge financial load off your shoulders. You also become eligible to take out a reverse mortgage once you turn 62. "

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

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

" Cash - in savings accounts, short-term CDs or money market deposits - is great for an emergency fund. But to fulfill a long-term investment goal like funding your retirement, consider buying stocks. The more distant your financial target, the longer inflation will gnaw at the purchasing power of your money. "

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

" It's fine to seek professional help, but I urge everyone - no matter how big their portfolio - to truly understand every suggestion they're given before acting. "

" Don't let what others think or say get in your way; their actions reflect on them, not you. "

" The prenup needs to be drawn up months before the wedding, not days - it's not something you slap together and sign in the car on the way to the ceremony. A shotgun prenup might not hold up in court. "

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

" The world needs another vehicle to get people to pay in cash. "

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

" Give to yourself as much as you give of yourself! This means you have to put yourself first. "

" 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. "

" 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. "

" 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. "