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.

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

The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases.

When you understand that your self-worth is not determined by your net-worth, then you'll have financial freedom

Owning a home is a keystone of wealth - both financial affluence and emotional security.

Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings.

You can't build a foundation on lies.