It pays to be a fee fiend.

Never invest emergency savings in the stock market.

The key to making money is to stay invested.

No well-planned retirement should be without long term care insurance. It is the very cornerstone of retirement security.

Even if you were to fall into extreme financial hardship and file for bankruptcy, you need to understand that your student loan debt will not be discharged in bankruptcy. It is the Velcro of all debts.

The happiest moment of my life happens once a day.

When you're happy you find pure joy in your life. There are no regrets in this state of happiness - and that's a goal worth striving for in all areas of your life.