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.

When you can be happy in your sadness as you are in your happiness. Then you know the key to life.

If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards.

No one's ever achieved financial fitness with a January resolution that's abandoned by February.

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.

Stop buying things you don't need, to impress people you don't even like.

I'd rather make 50 percent of something than 100 percent of nothing.