You'd better have faith that everything happens for the best. Nothing happens in your life that isn't something that you are meant to learn to get you where you need to go so you can become who you are meant to be. And that meant-to-be might be someone you don't even know exists at this moment in time.

You're thinking to yourself, 'How is it possible that I am going to pay back $150,000 in student loans? I'm never going to pay that back. What am I going to do?' Listen to me and listen to me good, class of 2013. I want you to think back to all of these things you said to yourself, 'I can't do that. I can't palpate a cow. And what's worse, palpating a cow or taking semen from a horse?' But you did it, didn't you?

Here's what's interesting about women. When it comes to their babies, when it comes to their children, they become these financial warriors like I have never seen before. They will not turn their back on the battlefield.

We are all powerless as children, and money looms so powerfully... we don't grow up to claim our financial power until we look money directly in the eye, face our fears, and claim that power back.

I get more emails and calls when it comes to money than probably any other single person on television when it comes to money.

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

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.