Power comes from who you are, not what you have, and the transformation starts with how you allow others to treat you.

To enjoy a long, comfortable retirement, save more today.

The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases.

When you lose something in your life, stop thinking it's a loss for you... it is a gift you have been given so you can get on the right path to where you are meant to go, not to where you think you should have gone.

Never cosign a loan. Once you have cosigned, you cannot get out of it - even on your deathbed.

For all your long-term investments, such as retirement accounts that you won't touch for at least ten years, you need a mix of stocks and bonds. Stocks offer the best shot at inflation-beating gains. But stocks don't always go up. That's where bonds come into play: They have less upside potential, but they also do not pack the same risk.

When you give, give from the place of the heart because it is the right thing to do, not the easy thing to do.