You have to see every potential roadblock as an opportunity and a benefit.

Time and love are the most valuable possessions you can share.

Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think.

There isn't a part of our lives that money doesn't touch - it affects our relationships, the way we go about our everyday activities, our ability to make dreams reality, everything.

Absolutely pay off your credit card debt, because a child can always get a loan to go to school, possibly a scholarship, a grant.

Money is a living entity, and it responds to energy exactly the same way you do. It is drawn to those who welcome it, those who respect it. Wouldn't you rather be with people who respect you and who don't want you to be something you're not? Your money feels the same way.

The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem.