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.

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.

Cut back your spending now.

Absolutely pay off credit card debt. If you're not getting a match in your 401(k) and you've got credit card debt, you've got to get yourself out of credit card debt. When you get out of credit card debt, your credit score goes up and interest starts to go down.

Messages about money are passed down from generation to generation, worn and chipped like the family dishes.

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.

They got married, they got divorced, and half their money goes out the window.