The happiest moment of my life happens once a day.

Cut back your spending now.

Just because one of you earns the paycheck doesn't mean that person should lord over how the money is handled.

If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards.

If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.

I think they've been baby bummers.

You're thinking to yourself, 'How is it possible that I am going to pay back $150,000 in student loans? I'm never going to pay that back. What am I going to do?' Listen to me and listen to me good, class of 2013. I want you to think back to all of these things you said to yourself, 'I can't do that. I can't palpate a cow. And what's worse, palpating a cow or taking semen from a horse?' But you did it, didn't you?