Before you can really start setting financial goals, you need to determine where you stand financially.

Nothing you will ever do in your lifetime is likely to make you as much money as buying a home and living in it.

Life is not easy. But that's not the only truth that matters in this context. It also happens to be true that it takes just as much effort to have a "bad life," in which you don't get what you want, as it does to have a "good life," where you do. So given the choice, why not go for the good life?

The earlier you start, the easier it is to accumulate major wealth. Still, it's never really too late to begin.

Remember that small steps can create giant leaps over time, so never think of any financial or spending matter as a small one.

Financial education needs to become a part of our national curriculum and scoring systems so that it's not just the rich kids that learn about money.. it's all of us.

This market right now is moving on nothing more than emotions. Guess what? It almost always moves on emotions.