When you are starting out in your 20s, it is natural to think about all that you will have and do once you start making money, and making more money. That gives money way too much power over your life. It's not about how much you make, but the life that you make with the money you have.

If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do.

Never invest emergency savings in the stock market.

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.

If you wait until your children are high school seniors to spring it on them that there's not a whole lot of money for school, they won't have too many options.

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

Who would you want to be giving you advice? Somebody who doesn't have any money?