The world does not need another credit card.

You must recognize, embrace, and be honest about what is real for you today and allow that understanding to inform the choices you make. Only then will you be able to build the future of your dreams.

I'm probably the only bestselling author you know who's written more books than she's read.

I love, love, love that you want to use your debit card. But to keep your credit score solid, you still need to keep a few credit cards and use them at least once every few months.

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.

I have come to think that money is very much like a person, and it will respond when you treat it as you would a cherished friend - never fearing it, pushing it away, pretending it doesn't exist, or turning away from its needs, never clutching it so hard that it hurts. ... if you tend it like the living entity it is, then it will flourish, grow, take care of you for as long as you need it.

If the relationship between you and your money is harmonious, regardless of how much you have, your financial transactions will be harmonious as well.