Recast your current problems into proactive goals.

If there is anyone dependent on your income - parents, children, relatives - you need life insurance.

You must trust yourself more than you trust anyone else with your money.

Opposites may attract, but I wouldn't put my money on a relationship of financial opposites.

Every time you overhear something hurtful, I want you to do something kind for someone else.

If you have a 50 percent match and you get in trouble financially, you can either withdraw money as a loan, or withdraw the 50 percent match. If you take it out, you have to pay taxes on it, but you still come out ahead.

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.