Here's my gift-giving rule: Respect your current financial situation.

You can never solve a financial problem with money. The only way for you to have a larger net worth is for you to go within to see why you are going without.

People have got to learn: if they don't have cookies in the cookie jar, they can't eat cookies.

If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape.

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.

I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5,000 credit card balance.

I think they've been baby bummers.