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.

The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts.

The world does not need another credit card.

I have a million dollars in the stock market, because if I lose a million dollars, I don't personally care.

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.

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.

When you are grateful - when you can see what you have - you unlock blessings to flow in your life.