A cash advance on a credit card is one of the worst types of borrowing because the interest rate is typically 21 percent or more.

If you're going down the street and you're going the wrong way, remember - God permits U-turns.

Like your home's closets, your financial clutter needs an overhaul every now and again, and the payoff will go far beyond the psychic satisfaction of neatening up.

Cut back your spending now.

Everybody in America started to define themselves by all these things they had around them. And all of a sudden it came tumbling down. So the old American dream has died, and that is a good thing.

If there is anyone dependent on your income - parents, children, relatives - you need life insurance.

You can't build a foundation on lies.