If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do.

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.

Be as good to yourself as you are to those you love.

You must remember the value that you add to others and not just what others have added to you. That's how we build self-worth, which, in my opinion, is just as important as net worth.

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.

... true financial freedom doesn't depend on how much money you have. Financial freedom is when you have power over your fears and anxieties instead of the other way around.

Live below your means but within your needs.