When you're happy you find pure joy in your life. There are no regrets in this state of happiness - and that's a goal worth striving for in all areas of your life.

If you're in poverty and all you have is a debit card or a prepaid card or you pay in cash, it does not report to a credit bureau. If it doesn't report to a credit bureau, it cannot create a credit score for yourself.

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

You are to set your own value, communicate that value to the world, and then not settle for less. Sound daunting? That's just because it takes you out of your comfort zone. You have got to stop being an obstacle on your own path to wealth and security and happiness. You must understand that valuing yourself is well within your control.

people's feelings about themselves change when they change the way they handle their money. Once they begin treating their money with respect, their self-respect shoots up as well.

Nothing's greater in life to see somebody who doesn't have start to value who they are and, as soon as they feel valued, they can change this world too.

Absolutely pay off your credit card debt, because a child can always get a loan to go to school, possibly a scholarship, a grant.