If you have debt I'm willing to bet that general clutter is a problem for you too.

America has a broken spirit, that the people that are saying, "Please help me, please let me keep my home, please let me keep my car, please recognize me as a vital human being," they are falling on deaf ears.

Never cosign a loan. Once you have cosigned, you cannot get out of it - even on your deathbed.

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.

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

In all realms of life it takes courage to stretch your limits, express your power, and fulfill your potential... it's no different in the financial realm.

Nothing's greater in life to see somebody who doesn't have start to value who they are and, as soon as they feel valued, they can change this world too.