I go to bed at 2 a.m. and get up at 7 a.m. - I've never been a sleeper. But I definitely get sick every month-and-a-half.

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.

A good financial plan is a road map that shows us exactly how the choices we make today will affect our future.

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.

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.

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.

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.