There's nothing wrong with saying, "I want to have more," "I want to be more," "I did this for money."

If you pay off your mortgage before retirement, you take a huge financial load off your shoulders. You also become eligible to take out a reverse mortgage once you turn 62.

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

It's not selfish to give TO yourself as much as you give OF yourself

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.

There's nothing wrong with saying, "I want to have more," "I want to be more," "I did this for money."

Even if you were to fall into extreme financial hardship and file for bankruptcy, you need to understand that your student loan debt will not be discharged in bankruptcy. It is the Velcro of all debts.