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

Liking who you are and liking what you do can make you an incredibly successful person.

Choosing wealth as a goal requires facing everything about your money bravely, honestly, with courage -- which is a very, very hard thing for most of us to do.

Remember that in most cases, student loan debt is not dischargeable in bankruptcy. So you continue to pay it off anyway. Those who have very low interest rates (2-2.5 percent) on student loans and know everything is secure, great.

Make this the year you tackle that credit card debt once and for all.

You can have all the money in the world. You can be a multi-billionaire, but if you do not have your health it means nothing. Your health is the No. 1 important thing in your life.

Ignore the annual percentage rate when shopping for a mortgage.