A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.

If the boss is a jerk, get over it. First of all, don't you think there's a good chance that your boss's boss knows what's going on? If so, just keep your head down and do the work. Usually, if you put in maximum effort and produce excellent results, someone in the company is going to take notice. Either you will get promoted or your jerky boss will get the heave-ho. It happens all the time.

A wise woman knows how to summon her courage and do what is right, rather than what is easy.

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.

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.

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.

So many financial dreams are thwarted by the failure to act upon good intentions.