Oprah deserves the best. I am not the best when it comes to divorce. What do I know about divorce? Nothing at that time.

You have to see every potential roadblock as an opportunity and a benefit.

Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.'

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.

I believe in God big time and I'm proud to say I believe in God.

The world does not need another credit card.

Don't let what others think or say get in your way; their actions reflect on them, not you.