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" You have got to be the masters of your own financial future. "

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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. "

" Money you won't need to use for at least seven years is money for investing. The goal here is to have your account grow over time to help you finance a distant goal, such as building a retirement fund. Since your goal is in the future, money for investing belongs in stocks. "

" 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. "

" Grace is above praise and blame. I never read the bad stuff people write, but I never read the good stuff, either. Ever. I know who I am, and I know that God looks down on me and smiles. I know that - without a shadow of a doubt. "

" 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. "

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

" 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. "

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

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

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

" Happiness is not a luxury. It is a necessity. When we are happy, we are in the best possible place to be good to ourselves and those we love. "

" Never, ever invest money that you will need prior to three to five years - minimum. "

" 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. "

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

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

" I generally encourage people to make good on debts when they have enough money to repay them. But once a delinquency has been reported to a collection agency, paying it off won't help your FICO score. The damage has already been done, and the blemish will remain on your credit report for seven years. "

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

" When you give, give from the place of the heart because it is the right thing to do, not the easy thing to do. "

The Right Thing

" I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5,000 credit card balance. "

" If you're financially responsible, your children have a much better chance to grow up financially responsible. "

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

" 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. "

" Thoughtful financial planning can easily take a backseat to daily life. "

" It pays to be a fee fiend. "

" A cash advance on a credit card is one of the worst types of borrowing because the interest rate is typically 21 percent or more. "

" So many financial dreams are thwarted by the failure to act upon good intentions. "

" 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 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. "

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

" Not everything is about money. "