It's better to do nothing with your money than something you don't understand.

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

Money is a living entity, and it responds to energy exactly the same way you do. It is drawn to those who welcome it, those who respect it. Wouldn't you rather be with people who respect you and who don't want you to be something you're not? Your money feels the same way.

You can have all the money in the world. You can be a multi-billionaire, but if you do not have your health it means nothing. Your health is the No. 1 important thing in your life.

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.

Many people are in the dark when it comes to money, and I'm going to turn on the lights.

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.