People often panic when the markets go down and sell off their stocks - but then they aren't in the game when the markets are doing well.

Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score.

But credit card debt is unsecured debt, which means if you get in trouble and cannot pay off your credit card, you can discharge it in bankruptcy. What are they going do to you? If you're in a financial position to just methodically pay off both credit card and student loans, pay them all.

Learn how to prioritize all your debt. And did you know student loan debt is the most dangerous debt any of us can have?

Ignore the annual percentage rate when shopping for a mortgage.

The chances of a bank going out of business are extremely slim, but it's always a good idea to spread around major sums so every penny is backed by insurance.

It's only when we give to ourselves as passionately as we give of ourselves that we create the life we want and deserve.