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

Know the difference between your necessary and discretionary expenses.

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

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.

There are many random, unprotected sites online that appear safe to use and are ready to accept credit card information. You wouldn't give a stranger off the street your credit card information, so be extra cautious about who you are sharing it with online.

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

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.