When you give people who are being financially responsible money, you are enabling them to continue a bad habit. So you are actually helping by saying, "Love you but no."

I love teaching people how to handle their money and I've built a brand on that skill.

The key to making sure your credit stays good is paying the bill on time. If you are paying the balance off even if there is something on the card in recent purchases, you are good.

Don't let people scare you from a career that may not net you a six figure salary. If you want to be a teacher, teach. But knowing that your salary may only reach a certain level, do all that you can to become the best money manager you can be.

You still need to save but being debt-free in retirement is and should be a goal.

My grandmother was extremely smart when it came to money, but she also worried a lot about not having enough. So it's with her in mind that I aim to explain complicated financial things so the folks like her won't be afraid to make certain money moves.

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.