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" 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. "

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

" 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. "

" Recast your current problems into proactive goals. "

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

" The chances of a bank going out of business are extremely slim, but it's always a good idea to spread around major sums so every penny is backed by insurance. "

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

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

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

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

" 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. "

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

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

" Opposites may attract, but I wouldn't put my money on a relationship of financial opposites. "

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

" A wise woman knows how to summon her courage and do what is right, rather than what is easy. "

" 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. "

" 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. "

" It may take you months or even a few years to build up an adequate emergency savings fund. That's okay. "

" 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. "

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

" It's impossible to map out a route to your destination if you don't know where you're starting from. "

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

" It pays to be a fee fiend. "

" 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. "

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

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

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

" For all your long-term investments, such as retirement accounts that you won't touch for at least ten years, you need a mix of stocks and bonds. Stocks offer the best shot at inflation-beating gains. But stocks don't always go up. That's where bonds come into play: They have less upside potential, but they also do not pack the same risk. "

" 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.' "

" 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. "