Every morning I wake up, I can't even wait to go and see what life can I change today. It doesn't have to be a lot of lives, but I can change one life a little bit here, a little bit there, and I hope that everything I create, people know that.

Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.'

Remember that in most cases, student loan debt is not dischargeable in bankruptcy. So you continue to pay it off anyway. Those who have very low interest rates (2-2.5 percent) on student loans and know everything is secure, great.

You will never be powerful in life until you are powerful over your own money. How you think about it, how you feel about it and how you invest it.

Money is such an amazing teacher: What you choose to do with your money shows whether you are truly powerful or powerless.

When you are starting out in your 20s, it is natural to think about all that you will have and do once you start making money, and making more money. That gives money way too much power over your life. It's not about how much you make, but the life that you make with the money you have.

Power comes from who you are, not what you have, and the transformation starts with how you allow others to treat you.