Every financial worry you want to banish and financial dream you want to achieve comes from taking tiny steps today that put you on a path toward your goals.

Absolutely invest in retirement. You can always get a loan to get kids through school. I do not know of any loans to get you through retirement. The markets are seriously low from where they were (even though they've gone up 30 percent recently). Now is the time to be dollar cost averaging; the more money you put in, the more shares you buy. Save for your retirement, people.

Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card.

You'd better have faith that everything happens for the best. Nothing happens in your life that isn't something that you are meant to learn to get you where you need to go so you can become who you are meant to be. And that meant-to-be might be someone you don't even know exists at this moment in time.

Liking who you are and liking what you do can make you an incredibly successful person.

The mind gives us thousands of ways to say no, but there's only one way to say yes, and that's from the heart.

As our net worth falls, so does our self-worth. Ironically, it's when we don't have it that we most feel we have to flaunt it.