Absolutely pay off credit card debt. If you're not getting a match in your 401(k) and you've got credit card debt, you've got to get yourself out of credit card debt. When you get out of credit card debt, your credit score goes up and interest starts to go down.

When you've been battered down and battered down and battered down, your spirit gets broken.

I simply want you to give to yourself as much as you give of yourself. By taking care of yourself financially, you will truly be able to take care of those you love.

Remember to remember your power - everything you've learned with these steps to financial freedom - and put it all into practice everyday, because in the grand scheme of life, you'll never really know how things are meant to turn out until they turn out.

Put your financial life on autopilot as a form of 'forced' saving.

Find $50 a month for savings. No excuses!

A great teacher once taught me that you've got to have faith that everything happens for the best. I have had many setbacks in my career and every setback has led me that much further into my truth.