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

You must remember the value that you add to others and not just what others have added to you. That's how we build self-worth, which, in my opinion, is just as important as net worth.

A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.

You must trust yourself more than you trust anyone else with your money.

Thoughtful financial planning can easily take a backseat to daily life.

There's nothing wrong with saying, "I want to have more," "I want to be more," "I did this for money."

When you give, give from the place of the heart because it is the right thing to do, not the easy thing to do.