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" Every time you overhear something hurtful, I want you to do something kind for someone else. "

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" 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. "

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

" 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. "

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

" The last thing family and friends want is for you to spend money on them that you don't have or that you can't really spare. "

" Money is such an amazing teacher: What you choose to do with your money shows whether you are truly powerful or powerless. "

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

" The key to making money is to stay invested. "

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

" 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. "

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

" 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. "

" 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.' "

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

" 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. "

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

" 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. "

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

" I do not think I am successful just because I have money. I'm successful because I love who I am and I have no regrets, and I'm successful because I have a great heart and I have compassion and I care and I would be happy with or without money. "

" I want to conquer the unknown. I really, really want to live on the water and captain my own boat. I have dreamed of going around the world on a boat. "

" 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. "

" The new American dream is one of responsibility. What is the bottom-line number that you're going to be able to pay back toward a student loan responsibly if you're doing it yourself after you have a job? That dictates the amount of money you can borrow. That dictates the school you can go to, if you can even go to a four-year college at all. "

" Anything that gets people to think harder about their financial security and take some responsibility is a good thing. "

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

" 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. "

" 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. "

" Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think. "

" While a reverse mortgage can indeed be a viable way to generate income, it is very important to understand that after you take out a reverse mortgage, you will still be responsible for paying the property tax, the insurance premium, and all the maintenance costs for your home. "

" Courage is not always about action. It takes courage to do nothing rather than do something that you do not believe in or understand. "

" It pays to be a fee fiend. "