Never cosign a loan. Once you have cosigned, you cannot get out of it - even on your deathbed.

Power comes from who you are, not what you have, and the transformation starts with how you allow others to treat you.

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.

If you wait until your children are high school seniors to spring it on them that there's not a whole lot of money for school, they won't have too many options.

If you're not staying on top of your money, you are putting your financial well-being at risk.

Never cosign a loan. Once you have cosigned, you cannot get out of it - even on your deathbed.

Remember to remember your power - everything you've learned with these steps to financial freedom - and put it all into practice everyday, because in the grand scheme of life, you'll never really know how things are meant to turn out until they turn out.