I look around and there are needs that people have. Places have needs. These times have needs, and I have the education and the ability to communicate with it and help to solve those needs.

Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think.

The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts.

True generosity is an offering; given freely and out of pure love. No strings attached. No expectations. Time and love are the most valuable possession you can share.

Money is a topic that touches all races, all religions, all sexes, all ages, all tax brackets. It's a universal language that truly has been held up to us in society as a thing that determines whether we are successful, worthy, whether we have contributed something to life or not.

When it comes to tackling your financial goals, whatever they might be, there's no time like the present.

Look everywhere you can to cut a little bit from your expenses. It will all add up to a meaningful sum.