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?

If you have credit card debt and credit card companies continue to close down the cards, what are you going to do? What are you going to do if they raise your interest rates to 32 percent? That's five times higher than what your kid is going to pay in interest on a student loan. Get rid of your credit card debt.

If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do.

Women need to turn their attention from saving their spouse, their mothers, their this, their that, their kids, to putting that financial oxygen mask on their face first. When they're solid, they can pick up the whole world.

When you're happy you find pure joy in your life. There are no regrets in this state of happiness - and that's a goal worth striving for in all areas of your life.

I think Oprah's [winfrey] learned from me that it's OK to be harsh on people because in one's harshness you can see transformation happen right before your very eyes.

I've learned an encyclopedia version of life from Oprah Winfrey.