If you're trying to diet, what do you do? You grab your two friends and say, 'We're going to the gym; let's do this together.' Money shouldn't be any different. If you're trying to make progress, if you're trying to save more, we really need to be able to get support.

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.

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.

You should go to work every day a little bit nervous.

A financial plan is a way to take all of the money advice you come across and figure out how it applies to your specific financial situation.

Start a business plan for yourself, not for anyone else.

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.