Here's what's interesting about women. When it comes to their babies, when it comes to their children, they become these financial warriors like I have never seen before. They will not turn their back on the battlefield.

Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.'

The mind gives us thousands of ways to say no, but there's only one way to say yes, and that's from the heart.

You are to set your own value, communicate that value to the world, and then not settle for less. Sound daunting? That's just because it takes you out of your comfort zone. You have got to stop being an obstacle on your own path to wealth and security and happiness. You must understand that valuing yourself is well within your control.

So many financial dreams are thwarted by the failure to act upon good intentions.

After you marry, every asset either of you acquires is jointly held. That's why you both need to be in sync on your long-term financial goals, from paying off the mortgage to putting away for retirement. Ideally, you should talk about all this before you wed. If you don't, you can end up deeply frustrated and financially spent.

A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out.