The way to build your savings is by spending less each month.

When you are starting out in your 20s, it is natural to think about all that you will have and do once you start making money, and making more money. That gives money way too much power over your life. It's not about how much you make, but the life that you make with the money you have.

I simply want you to give to yourself as much as you give of yourself. By taking care of yourself financially, you will truly be able to take care of those you love.

You have to see every potential roadblock as an opportunity and a benefit.

Once you stop looking for a job, you are no longer considered part of the unemployment number.

If you have credit card debt and credit card companies continue to close down the cards, what are you going to do? What are you going to do if they raise your interest rates to 32 percent? That's five times higher than what your kid is going to pay in interest on a student loan. Get rid of your credit card debt.

When you give, give from the place of the heart because it is the right thing to do, not the easy thing to do.