Recast your current problems into proactive goals.

If you have debt I'm willing to bet that general clutter is a problem for you too.

A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out.

What's keeping you from being rich? In most cases it's simply a lack of belief. In order to become rich, you must believe you can do it, and you must take the actions necessary to achieve your goal.

If you have credit card debt and credit card companies continue to close down the cards, what are you going to do? What are you going to do if they raise your interest rates to 32 percent? That's five times higher than what your kid is going to pay in interest on a student loan. Get rid of your credit card debt.

Never, ever invest money that you will need prior to three to five years - minimum.

How you end something as profound and important as a marriage is a reflection of how you live your life--financially, emotionally, and spiritually.