When you've been battered down and battered down and battered down, your spirit gets broken.

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

Recast your current problems into proactive goals.

If you're saving for the long run, it's actually a good thing when the market is down because the more shares you have, the more you can potentially make when markets rise. And over time - decades, not months - the markets rise more than they fall.

The chances of a bank going out of business are extremely slim, but it's always a good idea to spread around major sums so every penny is backed by insurance.

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

Owning a home is a keystone of wealth - both financial affluence and emotional security.