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

No one's ever achieved financial fitness with a January resolution that's abandoned by February.

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 easy to underestimate the real cost of home ownership.

If your company matches your 401(k) contribution, then no matter what, contribute to your 401(k) first. You put in a dollar, they put in 50 cents. It's an automatic 50 percent return on your money. You can't pass that up. I'd rather have the 50 percent than pay 32 percent interest on a credit card.

Recast your current problems into proactive goals.

I get more inspired by seeing everyday people succeed against the odds than anything else in life.