If you're saving for the long run, it's actually a good thing when the market is down because the more shares you have, the more you can potentially make when markets rise. And over time - decades, not months - the markets rise more than they fall.

You must trust yourself more than you trust anyone else with your money.

The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track.

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

I've learned from her [ Oprah Winfrey] really how to stand in one's truth, how if you just simply are who you are, you know, you're heavy, you're thin, you're happy, you're sad - if you just speak your truth as it comes into your mind, then that's what people relate to.

In order to create lasting security you must learn to stand in your truth.

Each cent you apply toward diminishing your debt replenishes you.