If you do not have at least an eight-month emergency fund, and you think there's a probability you could loose your job - and it's not just losing your job; you could be in a car accident, get sick - continue to pay the minimum on your credit card every month. Everything beyond that needs to go to establish an emergency fund. And if you have an emergency fund saved, then fund your retirement account before paying down credit card debt.

Money is such an amazing teacher: What you choose to do with your money shows whether you are truly powerful or powerless.

I want to see a new system. I believe that the credit scoring system is broken. That's my belief.

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.

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

Find $50 a month for savings. No excuses!

When it comes to money, if you have it, you may feel that you don't deserve it—guilt. If you don't have it, you may feel that you should have it—guilt.