Focus on what you have.

True generosity is an offering; given freely and out of pure love. No strings attached. No expectations. Time and love are the most valuable possession you can share.

Stop buying things you don't need, to impress people you don't even like.

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

Women are fighters. They will fight and fight and fight to get what they need, especially if they have children.

people's feelings about themselves change when they change the way they handle their money. Once they begin treating their money with respect, their self-respect shoots up as well.

Take free money. No matter how in debt you are, if your employer offers a matching contribution on a 401(k) or other retirement vehicle, you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus.