Know the difference between your necessary and discretionary expenses.

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.

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.

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

Get up, dress up, and show up.

Before you take the leap, before you jump, really make sure it's going to be something you want to get out of bed [to do] everyday, because it is so hard. So you want to make sure that you're really committed.

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.