Absolutely invest in retirement. You can always get a loan to get kids through school. I do not know of any loans to get you through retirement. The markets are seriously low from where they were (even though they've gone up 30 percent recently). Now is the time to be dollar cost averaging; the more money you put in, the more shares you buy. Save for your retirement, people.

Like your home's closets, your financial clutter needs an overhaul every now and again, and the payoff will go far beyond the psychic satisfaction of neatening up.

Time and love are the most valuable possessions you can share.

Every financial worry you want to banish and financial dream you want to achieve comes from taking tiny steps today that put you on a path toward your goals.

Liking who you are and liking what you do can make you an incredibly successful person.

The dream of having one's dream job turned into "Oh my God, I'll take any job. I've been out of work for two years now. I don't care what I do. I'll do anything because I don't have any money".

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