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 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.

If you do not have at least an eight-month emergency fund, and you think there's a probability you could loose your job - and it's not just losing your job; you could be in a car accident, get sick - continue to pay the minimum on your credit card every month. Everything beyond that needs to go to establish an emergency fund. And if you have an emergency fund saved, then fund your retirement account before paying down credit card debt.

I have always advocated doing everything possible to pay off credit card balances; it's good financial management and the ticket to a strong FICO credit score.

We women know how to take care of everybody so well. But the one person we have written out of the equation is us.

The chances of a bank going out of business are extremely slim, but it's always a good idea to spread around major sums so every penny is backed by insurance.

If you're going to live in the house make it your goal to just pay off your mortgage.