Focus on what you have.

Make it a priority to have at least eight months of living costs set aside in a federally insured bank or credit union account.

I'm probably the only bestselling author you know who's written more books than she's read.

Choosing wealth as a goal requires facing everything about your money bravely, honestly, with courage -- which is a very, very hard thing for most of us to do.

When you can be happy in your sadness as you are in your happiness. Then you know the key to life.

Many people are dreaming. Let me rent. Let me have a job. Let me work until I'm 70. That's not what the American Dream used to be. It used to be, let me own a home. Let me retire at 59 and a half or 65 at the latest. Let me do this. And now, really, given what's happened, good luck with anything happening unless you do it yourself.

If you do not have at least an eight-month emergency fund, and you think there's a probability you could loose your job - and it's not just losing your job; you could be in a car accident, get sick - continue to pay the minimum on your credit card every month. Everything beyond that needs to go to establish an emergency fund. And if you have an emergency fund saved, then fund your retirement account before paying down credit card debt.