You can't time the market.

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

[My grandmother] managed her money better than some financial professionals I know. I give credit always to her because she is the reason I have my column and national recognition.

We have to protect ourselves by doing our own homework.

You shouldn't invest the money if you are looking to use it within five years. Too much risk.

Save what you can toward the emergency and life happens fund. But don't worry yourself sick at the slow growth. The point is it's growing even it's just one dollar at at time.

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.