We have to protect ourselves by doing our own homework.

I've found that when you can quickly knock out debt you get motivated because you see progress. Then you attack the other debt so fast that even if it's at a higher interest rate, you don't end up paying much more because you've gotten rid of it.

I'm driving my old car until I'm on a first name basis with the low tow truck drivers!

I usually find that my gut doesn't steer me wrong when it comes to my money!

My rule is when in doubt hire a professional. You could do it just this year and then you have direction to resume doing it yourself after the consultation. What you don't want is to do it wrong and be hit by a huge tax bill. Remember the old saying, "Don't be pennywise and pound foolish."

You can't time the market.

The rich are depressed because they realize their money can't buy them out of their issues.