I love the Roth IRA. Tax-free income in retirement is a truly great deal.

Every portfolio benefits from bonds; they provide a cushion when the stock market hits a rough patch. But avoiding stocks completely could mean your investment won't grow any faster than the rate of inflation.

I wanted to give people the ability once again to realize that they can still dream, but it has to be a new American dream that's based in honesty, integrity, and security - a dream that allows you to sleep at night, a dream that is attainable and allows you to stand in your truth.

At the end of your life, you cannot take a penny with you. So what is the object of money if you can't take it with you?

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

Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score.

Live below your means but within your needs.