If you're going down the street and you're going the wrong way, remember - God permits U-turns.

Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings.

I love the Roth IRA. Tax-free income in retirement is a truly great deal.

Focus on what you have.

The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track.

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

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.