Get up, dress up, and show up.

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.

Get up, dress up, and show up.

Even if you feel like your debt is just never going to go away, think long and hard before declaring bankruptcy. Declaring bankruptcy means that getting a loan for anything will be next to impossible for the next 10 years.

As a wife, daughter, friend, and the founder and CEO of LearnVest, my schedule is anything but simple. But I learned early on how to meticulously manage my time.

At LearnVest, we're working to make financial planning both accessible and affordable so that everyone has the opportunity to get on track financially.

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.