People have got to learn: if they don't have cookies in the cookie jar, they can't eat cookies.

You are to set your own value, communicate that value to the world, and then not settle for less. Sound daunting? That's just because it takes you out of your comfort zone. You have got to stop being an obstacle on your own path to wealth and security and happiness. You must understand that valuing yourself is well within your control.

I want to see a new system. I believe that the credit scoring system is broken. That's my belief.

I get more inspired by seeing everyday people succeed against the odds than anything else in life.

If your company matches your 401(k) contribution, then no matter what, contribute to your 401(k) first. You put in a dollar, they put in 50 cents. It's an automatic 50 percent return on your money. You can't pass that up. I'd rather have the 50 percent than pay 32 percent interest on a credit card.

Many of the good things would never have happened if the bad events hadn't happened first.

When someone chooses to value herself over the things she can buy, true transformation begins.