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

Focus on what you have.

It's impossible to map out a route to your destination if you don't know where you're starting from.

Believing you are worthy of love means that you believe I deserve to be treated well - with respect and dignity. I deserve to be cherished and adored by someone. I am worthy of an intimate and fulfilling relationship. I won't settle for less than I deserve. I will do whatever it takes to create that for myself.

The world needs another vehicle to get people to pay in cash.

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.

Never invest emergency savings in the stock market.