If you're financially responsible, your children have a much better chance to grow up financially responsible.

The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases.

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.

The world of money, of numbers and stock markets and interest rates and credit cards, seems on the surface about as far as it could be from the world of spirituality, of seeking meaningful answers to the big questions of life. ... But these two worlds must flow in and out of each other, because it takes both money and spiritual understanding to sustain it. Truly speaking, what determines where our money with its awesome power will go, and what it will do for ourselves and others? If we listen, those answers come from the center of our being, from who we really are.

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.

We tend to focus on assets and forget about debts. Financial security requires facing up to the big picture: assets minus debts.

When you can be happy in your sadness as you are in your happiness. Then you know the key to life.