The truth is that you are nothing more than the custodian of your inner and outer wealth while you are on this planet. All you have to decide is what kind of custodian do you want to be? Do you want to be a good custodian of your inner and outer wealth? Or a bad custodian?

Ignore the annual percentage rate when shopping for a mortgage.

No well-planned retirement should be without long term care insurance. It is the very cornerstone of retirement security.

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.

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

If you're in poverty and all you have is a debit card or a prepaid card or you pay in cash, it does not report to a credit bureau. If it doesn't report to a credit bureau, it cannot create a credit score for yourself.

A great teacher once taught me that you've got to have faith that everything happens for the best. I have had many setbacks in my career and every setback has led me that much further into my truth.