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

Be as good to yourself as you are to those you love.

I get more inspired by seeing everyday people succeed against the odds than anything else in life.

I do not think I am successful just because I have money. I'm successful because I love who I am and I have no regrets, and I'm successful because I have a great heart and I have compassion and I care and I would be happy with or without money.

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

For all your long-term investments, such as retirement accounts that you won't touch for at least ten years, you need a mix of stocks and bonds. Stocks offer the best shot at inflation-beating gains. But stocks don't always go up. That's where bonds come into play: They have less upside potential, but they also do not pack the same risk.

The way to build your savings is by spending less each month.