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

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" A wise woman recognizes when her life is out of balance and summons the courage to act to correct it, she knows the meaning of true generosity, happiness is the reward for a life lived in harmony, with a courage and grace. "

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

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

" Raise your auto and home deductibles to $1,000 or more, and your premium cost falls at least 10 percent. "

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

" The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem. "

" 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.' "

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

" If you're not staying on top of your money, you are putting your financial well-being at risk. "

" 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. "

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

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

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

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

" If you're saving for the long run, it's actually a good thing when the market is down because the more shares you have, the more you can potentially make when markets rise. And over time - decades, not months - the markets rise more than they fall. "

" Pay off your mortgage before retirement, and that's one less bill you'll have to worry about when you're on a fixed income. "

" If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape. "

" One journalist estimated my liquid net worth at $25 million. That's pretty close. My houses are worth another $7 million. "

" I always say, 'People first, then money, then things.' "

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

" 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. "

" 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. "

" 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. "

" It pays to be a fee fiend. "

" Get rid of debt now. "

" 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. "

" 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. "

" 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. "

" Remember: If the IRS suspects you haven't reported income, it can challenge returns from the past six years. So if you are self-employed or have multiple income sources, hold on to six years of files to be absolutely safe. "

" A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out. "