Take free money. No matter how in debt you are, if your employer offers a matching contribution on a 401(k) or other retirement vehicle, you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus.

A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.

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

With success comes unhelpful criticism - ignore it.

Writing is hard work, not magic. It begins with deciding why you are writing and whom you are writing for. What is your intent? What do you want the reader to get out of it? What do you want to get out of it. It's also about making a serious time commitment and getting the project done.

I am a big believer that orderliness begets wealth.

We never had it as rough as the kids have it today. Look at the price of a gallon of gas or a piece of real estate or a college education.