The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track.

Remember that in most cases, student loan debt is not dischargeable in bankruptcy. So you continue to pay it off anyway. Those who have very low interest rates (2-2.5 percent) on student loans and know everything is secure, great.

After you marry, every asset either of you acquires is jointly held. That's why you both need to be in sync on your long-term financial goals, from paying off the mortgage to putting away for retirement. Ideally, you should talk about all this before you wed. If you don't, you can end up deeply frustrated and financially spent.

Put your financial life on autopilot as a form of 'forced' saving.

In all realms of life it takes courage to stretch your limits, express your power, and fulfill your potential... it's no different in the financial realm.

The key to making money is to stay invested.

When it comes to money, if you have it, you may feel that you don't deserve it—guilt. If you don't have it, you may feel that you should have it—guilt.