You must remember the value that you add to others and not just what others have added to you. That's how we build self-worth, which, in my opinion, is just as important as net worth.

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.

In January we start saving money, getting out of credit card debt, funding our retirement accounts, and we're doing wonderful. Then, every single year like clockwork, starting in November, all of you fall into this trap that says, 'I have to buy this gift... I can't show up at this party and not have something for everybody.

But credit card debt is unsecured debt, which means if you get in trouble and cannot pay off your credit card, you can discharge it in bankruptcy. What are they going do to you? If you're in a financial position to just methodically pay off both credit card and student loans, pay them all.

If you're financially responsible, your children have a much better chance to grow up financially responsible.

If you expect your money to take care of you, you must take care of your money.

When it comes to money, if you have it, you may feel that you don't deserve it—guilt. If you don't have it, you may feel that you should have it—guilt.