We never had it as rough as the kids have it today. Look at the price of a gallon of gas or a piece of real estate or a college education.

... show respect for your money ... Then your money will think and care about you in return.

We tend to focus on assets and forget about debts. Financial security requires facing up to the big picture: assets minus debts.

Choosing wealth as a goal requires facing everything about your money bravely, honestly, with courage -- which is a very, very hard thing for most of us to do.

When you've been battered down and battered down and battered down, your spirit gets broken.

I have always advocated doing everything possible to pay off credit card balances; it's good financial management and the ticket to a strong FICO credit score.

Find $50 a month for savings. No excuses!