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.

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.

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

When everyone zigs, zag. Life is all about trying to get somewhere first.

Automating some of your finances can be incredibly convenient and is a great way to save time, but automating everything makes it too easy to go on autopilot and forget to pay attention to your personal finances.

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.

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.