Cleanliness is a state of purity, clarity, and precision

Many people are dreaming. Let me rent. Let me have a job. Let me work until I'm 70. That's not what the American Dream used to be. It used to be, let me own a home. Let me retire at 59 and a half or 65 at the latest. Let me do this. And now, really, given what's happened, good luck with anything happening unless you do it yourself.

People first, then money, then things.

People often panic when the markets go down and sell off their stocks - but then they aren't in the game when the markets are doing well.

Money is a topic that touches all races, all religions, all sexes, all ages, all tax brackets. It's a universal language that truly has been held up to us in society as a thing that determines whether we are successful, worthy, whether we have contributed something to life or not.

To make the most of your money, I recommend sticking with mutual funds that don't charge a commission when you buy or sell.

Opt for a fixed-rate rather than an adjustable-rate mortgage.