Before you take the leap, before you jump, really make sure it's going to be something you want to get out of bed [to do] everyday, because it is so hard. So you want to make sure that you're really committed.

The best advice that I can offer is that being proactive and a careful planner is key. Think about the major things that could shake up your financial life, and Ill bet there are some great ways to protect yourself.

Flowers make me irrationally happy.

Without any formal personal finance instruction in our high school or college curricula, many college seniors who graduate in the red will continue to make common financial mistakes that only exacerbate their debt burdens.

Money shouldn't be worshiped and it shouldn't be ignored.

I always encourage people to pay themselves first, so I really advocate setting up direct deposit for your paycheck and establishing an automatic transfer so that part of each paycheck goes straight into your savings account.

My ultimate goal is to create operating systems for myself that allow me to think as little as possible about the silly decisions you can make all day long - like what to eat or where we should meet - so I can focus on making real decisions.