You can never solve a financial problem with money. The only way for you to have a larger net worth is for you to go within to see why you are going without.

The last thing family and friends want is for you to spend money on them that you don't have or that you can't really spare.

If you have a 50 percent match and you get in trouble financially, you can either withdraw money as a loan, or withdraw the 50 percent match. If you take it out, you have to pay taxes on it, but you still come out ahead.

If the relationship between you and your money is harmonious, regardless of how much you have, your financial transactions will be harmonious as well.

The world needs another vehicle to get people to pay in cash.

Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score.

The truth is that you are nothing more than the custodian of your inner and outer wealth while you are on this planet. All you have to decide is what kind of custodian do you want to be? Do you want to be a good custodian of your inner and outer wealth? Or a bad custodian?